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Auto Insurance
At First State Insurance Agency, Inc., we combine premium Auto Insurance with personalized service to give you as many coverage options as possible. Our insurance agents will work with you to find the right coverages for your insurance needs.
Why Auto Insurance?
If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.
Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it’s important to talk to an agent at First State Insurance Agency, Inc. to discuss a policy that insures your needs.
Auto Insurance Coverage Offerings
Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.
Required:
- Liability Coverage
Recommended:
- Comprehensive and Collision
- Roadside Assistance
- Uninsured/Underinsured Motorist
Liability Coverage: Protects you financially if you're legally responsible for another person's injuries or damages to their property.
Comprehensive Coverage: Also known as ‘other than collision’. Coverage from vandalism, theft, weather, accidents involving animals.
Collision Coverage: Regardless of who's at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.
Uninsured & Underinsured Motorist Coverage: If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passengers.
Bodily Injury Liability: If you cause an automobile accident that results in injuries, bodily injuries protects you by paying for damages you may become legally liable, including medical bills and loss of income for the injured party.
Personal Injury Protection (PIP): Auto insurance that covers medical expenses and lost wages for you and your passengers after an accident, regardless of who is at fault.
Medical Payments Coverage: Pays for medical expenses for you and your passengers in the event of an accident, regardless of who's at fault.
Gap Coverage: Helps cover the gap between what you owe on your car and your car’s actual value
Specialty Auto Insurance: A specialized policy designed for vehicles that aren’t a good fit for a standard auto policy, such as classic cars, high-performance vehicles, or custom-built cars.
Additional Protection Options:
As your leading source for car insurance, First State Insurance Agency, Inc. offers a variety of additional protection options, such as:
- Diminishing Deductible
- Accident Forgiveness
- Minor Violation Forgiveness
- Roadside Assistance
- Towing
- Rental Reimbursement
- 24-Hour Customer Service
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Looking for More Ways to Save?
Check in with your local agent to find out how you can save.
SmartRide
Progressive, earn instant 10% discount when you enroll.
SmartMiles
If you drive less, pay less. Flexible rate based on how many miles you drive.
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Classic Car Insurance
Lower Premiums: Classic car insurance is up to 21% lower premiums than standard auto insurance. Protect your investment for less.
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Flexible Usage: Allows limited pleasure use with no fixed mileage limits.
Repair shop of choice: When it comes to repairing and maintaining your collector car, it’s worth it to be choosy. You decide who should do the work.
Ready to Get Covered?
Contact an agent at First State Insurance Agency today to explore your options and build a plan that fits your life.
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Haven’t Purchased Your Vehicle Yet?
Secure your auto loan first, then come back when you’re ready for coverage. Check out FSCB Auto Loans to see your lending options.
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