Insurance for the vehicle you rely on daily.
A car or truck is often one of your largest and most useful assets. With car insurance, also commonly referred to as auto insurance, you can protect yourself and your vehicle from the unexpected financial burdens that come with getting in an accident, whether you are at fault or not.
With that said, car insurance is both an asset and a requirement in nearly all states, including all in the Midwest. Due to this, it is essential to find affordable coverage that sufficiently covers your car or truck, especially during a time of skyrocketing insurance rates.
Types of Car Insurance.
There are many different types of car insurance coverage (comprehensive, personal injury, medical, liability coverage, etc.) with varying requirements by state that can make finding the right option for you nearly impossible. And though it may be tempting to try and acquire “quality” car insurance online in fifteen minutes, it often leaves you dealing with hours of insurance complications and costs in the hope you are fully covered.
Luckily for you, this is where having an MSIG auto insurance agent can help. As an independent car insurance agency, our agents can compare rates across a vast number of insurance carriers to deliver you a competitive and affordable insurance solution, as well as tailor your plan to best meet your legal and personal needs.
- Not sure if your rental car is insured under your plan? We got you covered.
- Looking to save more by bundling your home and auto insurance? We got you covered.
- Wish you had someone who could help you file a claim? We got you covered.
- Need to change your coverage limits? We got you covered.
Below is an interactive graphic presenting some risks you may want to be aware of when considering your car insurance options.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Take your car insurance policy to the next level with MSIG.
As you can see, you face many unpredictable risks throughout the course of your day, so having an MSIG auto insurance agent walk you through your coverage options can be well worth your time in sheer peace of mind!
Request a free car insurance quote online with us below and one of our experienced agents will be in contact with you within one business day to provide you with unmatched service.
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