Whether you are beginning your search for car insurance, searching for a low rate or a new plan, Payne & Powell Insurance is here for you! By allowing our insurance professionals to hunt for the best insurance rate, our team may be able to save you hundreds on your auto insurance; particularly if you are considering bundling your insurance with a home or specialty insurance policy.
The Best Auto Insurance and Car Insurance Rates from an Independent Agent
Our agents work hard to ensure that you and your family get the best rates for your car insurance. Not only will your agent search for the lowest rate to match your insurance needs, you will also get the top notch customer service that only Payne & Powell Insurance can deliver.
Fast Car Insurance Quotes
There are an overwhelming number of choices for car insurance out there, don’t stress! Let the professionals at Payne & Powell Insurance gather quotes from several insurance carriers, presenting you with the best options for your budget and needs! Our agents are here to help guide you through rate comparisons, discounts, flexible payment options and they may have some money-saving tips as well. Get your quote today!
Make sure you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred Auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued Autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health insurance, you may not need this coverage.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles) and your tolerance for risk.