Choosing the right auto insurance can be tough. State Farm makes it easier with a fast online quote that helps you get auto insurance discounts as you go. Then you can compare options and customize coverage to fit your needs. And after you choose State Farm Auto Insurance, we�re there anytime, anywhere you need us with helpful advice and award-winning service. With all this, it�s clear why more drivers trust us more than any other auto insurer. Get your car insurance quote now, and get to a better state.
Auto Insurance Coverage Primer
Wondering what covers you and your vehicle in case of an accident? Wonder no more.
State Farm is there with the auto insurance coverage you need at a price you can afford � helping you in case of the unexpected.
The deductible is the portion of a loss that is your responsibility. The deductible, when applicable, applies to each loss. Although deductibles vary, they are typically available in amounts such as $500 or $1000.
For example, if you had a $500 deductible, you would need to pay $500 of the loss.
Higher deductibles lower your premium but increase the amount you may have to pay out of your own pocket if a loss occurs. Ask yourself how much you are willing to pay on short notice in order to save on premium.
Your policy usually covers:
- You and your spouse
- Other relatives who live primarily in your household
- Other licensed drivers who have permission to drive one of your covered
vehicles.
Coverages are broken down, according to purpose, but are generally combined into one policy.
How are you covered in case of an accident?
You were distracted while backing out of a parking space and didn�t see the car behind you until it was too late. You hit the car and you crashed through a fence too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.
Auto Liability pays damages due to bodily injury and property damage to others for which you are responsible.
Auto Liability falls into two categories:
Bodily injury damages include medical expenses, pain and suffering, and lost wages.
Property damage includes damaged property and loss of use of property.
- If you are sued, it also pays your defence and court costs. Laws usually determine minimum amounts, but higher amounts are available.
- How much coverage do you need?
Every province sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it�s impossible to know the most you�d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you�d be able to afford any damages that exceed your insurance coverage. The higher your limits, the more likely it is that we�ll be able to pay all of the damages for you. Limits higher than the province minimum might be the best choice for you.
Personal Injury Protection
This coverage is required in some (no-fault) provinces, it is optional in others. It pays you or your passengers, regardless of fault, for medical treatment due to a car accident. It may also pay for rehabilitation, lost earnings, replacement of services (child care if a parent is disabled, for example) and funeral expenses. Minimum amounts are usually set by provincial law.
How are you covered in case of an accident?
Your car is in the shop after a collision. Rental Reimbursement pays the cost of renting a replacement vehicle so you don�t have to interrupt your daily routine. Daily allowances or limits vary by province.
Should you get this coverage?
Consider how you�d get to work, school, or the store if your car were out of commission. If you depend on having a car available, could you afford to pay for a rental car yourself?
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