An auto policy is a written agreement between you and your insurance company. We offer automobile policies that are specifically created for drivers of luxury, classic and /or collector vehicles. We also can provide coverage for miscellaneous motorized vehicles such as golf carts, motorcycles and other grown-up ‘toys’. After determining which type of policy is a fit, we shop rates for you, delivering an optimum deal.

 

The auto insurance that is right for you

 

We’re not happy to simply sell a policy. At PRIME, we educate, so you become an informed consumer.

 

Auto insurance requirements differ from state to state. In order to drive, some states require you to carry:

 

• Liability coverage to recompense for losses you incur to others

• No-fault coverage to recompense you and your passengers for medical and associated expenses incurred from injuries related to a car accident, no matter who is at fault

• liability as well as no-fault coverage

 

But even in states where coverage is not mandated, drivers are legally bound to pay for losses they cause others. Acquiring insurance is the easiest way for most to meet these terms. Moreover, upon financing an automobile, it is usually compulsory to have insurance that will cover any damage to the vehicle.

This includes:

 

Collision Insurance

 

Collision coverage covers damage caused to your car in a vehicular accident. Standard collision coverage will recompense for any required repairs up to the fair market value of your car. Collision coverage typically comes with an insurance deductible as well. This is the amount you pay toward repairs before your collision insurance intercepts. The higher the deductible you are willing to shell out, the less of a cost the collision coverage will be.

 

Comprehensive Insurance (Other than Collision)

 

Comprehensive insurance recompenses for damage made to your car any way other than a collision. This is in reference to cases when your vehicle is stolen or vandalized. Moreover, flood, hurricane, theft, windshield damage and fire are events that comprehensive car insurance covers as well. Just as collision insurance does, comprehensive insurance will recompense up to the fair market value of your car, minus your insurance deductible. While this insurance is not mandatory in any state, you will probably be required to have it, should you finance a car.

 

Every person is unique – talk to us today to find out how to get the best price and value on Deal, NJ car insurance for you.