Auto Insurance Rochester NY
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Car Insurance: What It Is & Why You Need It
Auto insurance is a contract that provides financial protection against the costs of accidents or damage to a vehicle and its occupants. It also includes financial support if there is any property damage as a result of a motor vehicle accident.
Every state has its own definition of the minimum car insurance available, but it’s wise to consider additional coverages beyond the minimum. The most common types of auto insurance include the following:
- Liability insurance
- Collision coverage
- Comprehensive insurance
- Uninsured motorist coverage
- Medical payments coverage
- Personal injury protection
In New York State, three types of coverage are required:
- Liability coverage: utilized to pay for injuries and property damage you cause to others
- Uninsured motorist coverage: covers your injuries if you’re hit by an uninsured driver
- Personal injury protection: protects passengers in your vehicle who are injured during an accident
Additional Considerations
Beyond these coverages, there are additional, optional coverages to protect you in a variety of situations. For example:
| Coverage Type | Coverages Provided |
|---|---|
Comprehensive |
Damages due to fire, theft, vandalism, or deer/animal strike; including glass repair or replacement |
Collision |
Damages to your vehicle when involved in an accident or collision with another object |
Rental Reimbursement |
All or a portion of the cost of renting a vehicle when yours is being repaired due to an accident or insurance claim |
Towing |
All or a portion of the cost of having your vehicle towed from an accident; in some cases offers roadside assistance |
Frequently Asked Questions About Personal Auto Insurance
Do I have enough/the right coverage?
That really depends on you, your vehicle, your driving history, etc. Contact us for a free review of your current policy and we’ll let you know for sure.
How can I decrease my car insurance rate?
There are a few options for decreasing your car insurance premium. For example, you can take a defensive driver course, and drivers under 21 with an A or B average in school may qualify for a good student discount. Contact us to learn more about your options.
Can you shop my rates with other carriers?
Yes we can! We’re dedicated to making sure that you have the right coverage at the most competitive rate. Contact us today for a review of your policy and we’ll see what we can do.
What to Expect When You Contact Us for a Car Insurance Quote
Our agents help drivers throughout Rochester and surrounding areas choose auto insurance coverage that goes beyond the minimum requirements. We review your driving habits, vehicle type, and risk exposure to recommend coverage designed to protect you, your vehicle and your financial security.
Request your Ferris Auto Insurance Quote Today