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We can offer you affordable car insurance quote with great auto insurance coverage. We can help you with more affordable auto insurance policies that may offer discounts based on your driving record, auto usage and safety equipment. In addition, if you insure both your home and your auto with us, you can save up to 25%* on the auto insurance premium. Also, we offer policies with accident forgiveness and disappearing deductible.

To fully protect you, we can go beyond ordinary liability coverage and provide you with a broad range of options.

Liability Coverage:  pays others for damages from an auto accident that you cause. It also pays for a lawyer to defend you if you are sued for damages that you cause.

Bodily Injury Liability Coverage:  pays for claims and lawsuits by people who are injured or die as a result of an accident you cause.

Property Damage:  pays for claims and lawsuits by people whose property is damages as a result of an auto accident you cause.

Uninsured Motorist Coverage:  pays you for property damage or bodily injury if you are in an auto accident caused by an uninsured motorist.

Underinsured Motorist Coverage:  pays you for property damage or bodily injury if you are in an auto accident caused by a driver who is insured, but who has less coverage than your underinsured motorist coverage.

Collision Coverage:  pays for damage to your vehicle as the result of a collision with another car or other object (deductible will apply).

Comprehensive Coverage:  pays for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. However, it will pay if you collide with an animal (deductible will apply).

PIP- Personal Injury Protection:  you will be covered for medical treatment up to $250,000 for permanent of significant injury regardless of fault. Your insurer will pay the medical bills over the deductible amount you choose. In addition, there is a 20 percent co-payment on medical expenses in excess of the deductible, up to $5,000. That means you pay 20 percent, an your insurer pays 80 percent after you pay the deductible.

Extra PIP Package Coverage:  income continuation, essential services, death benefit and funeral expenses.

Unlimited Right to Sue:  under the NO Limitation on Lawsuit Option, you retain the right to sue the person who caused and auto accident for pain and suffering for any injury.

Limited Right to Sue:  by choosing the Limitation on Lawsuit Option, you agree not to sue the person who caused an auto accident for your pain and suffering unless you sustain one of the permanent injuries listed below: Loss of body part, significant disfigurement or significant scarring, a displaced fracture, loss of a fetus, permanent injury or death (choosing this option does not affect your ability to sue for economic damages such as medical expenses and lost wages).

Other Coverages May Include:

• Automobile electronic equipment and media insurance coverage
• Customized van insurance coverage
• Auto Rental Reimbursement

To obtain independent advice or to discuss your auto insurance needs please call us toll free or contact us at info@insctrs.com.

*Some restrictions apply. Please contact us for details.