Auto Insurance

This coverage can include the repair to your vehicle, and the damage done to others and their property. Discounts might apply if combined with home owners or renters insurance policies. We can also provide coverage for rv’s, motorcycles, jetski’s and boats.

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Not only is auto insurance a good idea, it is required in most states. It is a state law to carry at least a minimum in liability coverage. As with home owners insurance, there are many components of an auto insurance policy. Here is an explanation of those components and how to best protect your interests.

Similar to a home owners policy, the property portion of an auto insurance policy is pretty simple and easy to quantify. This portion will cover the property of others that you damage in the event of a collision. There might also be coverage for other property damaged by your car in the course of the accident, such as telephone polls, fences, houses or buildings.

The coverage to replace or repair the damage to your vehicle in the event of an accident is called collision coverage. If there is a loan secured with the vehicle this coverage will be required in addition to the liability coverage. There are usually several deductible options. Often you will have the chance to pick your deductible. The higher the deductible the lower the premium.

Comprehensive coverage covers damage to your vehicle that occurred from something ‘other than collision.’ Wind, hail, flood, vandalism and theft would be covered in this portion of the policy.

Medical coverage is also a very important part of an auto insurance policy. Unlike property coverage, medical coverage can be very difficult to quantify. This will pay the medical expenses in the event of an accident regardless of fault. As medical expenses can quickly sore the more coverage you have the better. You will often have choices in the level of medical coverage you purchase. For a policy review, email us at clientservices@ambassadorins.com.

Uninsured and underinsured motorist coverage will pay for coverage to your vehicle in the event that the other person either has no insurance or minimal insurance. It is estimated that between 15-20% of motorists aren’t insured.

It might be possible depending on the carrier to get a multiline discount, by combining home owners or renters insurance with auto coverage for instance. Depending on the carrier additional discounts might be available for good students, good drivers, and defensive driving classes. Insurance companies base their rates primarily upon the driver, and not as much on the car.

Many auto policies might also provide rental reimbursement, loan or lease pay off and towing/emergency roadside service coverage.

Motorcycle insurance is very similar to auto insurance. The coverage can be written specifically for the bike if it has been substantially customized. Insuring proper coverage is essential prior to a claim. We also provide rv, boat, snowmobile and segway coverage as well.

It is important to be provided with multiple quotes when buying auto coverage. The appetite for a carrier in any particular market often changes. As a broker the Ambassador Group is able to quickly quote your needs with up to 17 different personal lines carriers. Captive agents, those that can only offer one quote, don’t have the ability to monitor the market to provide the best premium.
Melissa Avina, our personal lines manager quotes these policies daily. Don’t hesitate to let Ambassador find you the best coverage options, mavina@ambassadorins.com.

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