To help meet the insurance needs of all our customers, Woods Insurance offers a range of auto policy levels – from the most basic and cost-effective to the most comprehensive policies.
The right auto insurance policy can help get you back on the road promptly if your car is damaged or destroyed by an accident, fire, theft, or other loss covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. When you pay a premium, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for you and your family.
Auto insurance requirements vary by state. Coverages include:
When you finance a vehicle, it is necessary to have insurance which covers damage to your vehicle.
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than collision)
Comprehensive insurance covers non-collision damage done to your car, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will need it if your car is financed.
Woods Insurance has partnered with reputable insurance companies that offer reliable car insurance. Call us today to find out how we can help you.
Every person is unique – call us today to find out how to get the best premium on car insurance for you.