Car Insurance Features:	Premium		Plus
Accident waiver enhancement or enhancement plus. Can help keep your rates from going up because of an accident - starting day one.		Covers multiple accidents		Covers one accident
Safe driving deductible reward. Gives you an immediate $100 off your collision deductible the day you sign up. This reward can accumulate another $100 for each year of safe driving - up to $500.		Immediate $100 reduction		Immediate $100 reduction
All-new safe driving bonus. Rewards safe driving by giving you the opportunity to earn up to a 5% credit that can be applied toward your next renewal premium.		Up to 5% credit
New car expanded protection coverage. Will help replace the new car you own with a brand new car, if it's totaled in a covered loss.		Available for additional premium		Available for additional premium

A car insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

Whether you’re buying your first car or your teenager is just about to get behind the wheel, there are plenty of reasons to purchase car insurance. You want to protect the people and things that are important to you.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they may cause others. Having insurance is the simplest way for most people to comply. Coverage for vehicle damage usually is necessary to finance a car.

Without insurance, you risk paying for the full cost of:

- Any harm you cause others, or:

- Repairing or replacing your car if it’s damaged or stolen.

There’s a lot to know about car insurance. From learning all the reasons it protects you, your family and your car…to choosing the right auto insurance company…to deciding what coverage options are right for you. Explore the answers to those questions and more here. You might even save some money along the way with our special auto insurance discounts. Then request a free car insurance quote from one of our agents.

Auto insurance can help:

• Safeguard your investment in your automobile
• Pay for medical expenses in case of an accident
• Provide financial protection from lawsuits
• Cover losses caused by uninsured or underinsured drivers
• Pay for damage due to theft, vandalism or natural disasters
• Car insurance helps you to meet whatever might be coming down the road with a greater peace of mind.

Remember that all car insurance coverage policies aren’t the same. Different types of coverage fit the different needs a person might have. When determining what kind of coverage applies to you, consider your specific situation. Then when you have all the information you need, contact us for a free quote.