Auto insurance is more than just ‘mandatory’, it’s peace of mind! At least it can be when you choose a Spokane auto insurance company that is fast, reliable, accessible, and professional in the event of an accident or claim. More than just a legal requirement, auto insurance is a contract between you and your insurer that handles the cost of repairs, the payment of hospital bills, and negotiations with lawyers and other insurance companies in the event of a covered incident.
Auto Insurance in Spokane – What Do I Need?
Each state sets its own mandatory requirements for the minimum amount of auto insurance that a driver must legally carry to cover any damage you cause to others on the road. If you’re financing your car, your bank will require that you carry enough coverage to recoup their costs if the vehicle is damaged. Minimums will get you legal and compliant, but can leave you holding the bag for bills and damage in the event of an emergency.
At Jorgensen Insurance Agency, we start with an assessment of your needs, not the minimums. How much liability coverage do you need to protect your assets if you are sued for damages caused to others? What exactly will it cost for you to get back into a car and onto the road tomorrow if your car is damaged today? These are the types of questions we start with to tailor an auto insurance policy that is designed just for you.
What Can an Auto Insurance Policy Cover?
Liability: Pays for property damage and medical bills incurred by others when you are deemed at fault in an accident.
Comprehensive: Pays for damage to your vehicle caused by “acts of nature” such as flooding, flying rocks, or storm damage, as well as damage and loss resulting from vandalism or theft.
Collision: Pays to repair damage to your vehicle when you are deemed at fault in an accident.
Uninsured and underinsured motorists: When you are not at fault but the other driver doesn’t have insurance to cover your property and medical bills, your policy’s uninsured/underinsured motorist coverage steps in.
Roadside assistance: Pays for towing, tire replacement, jump starts, and other services needed to get you and your vehicle back on the road or safely off the road in the event of a breakdown.
Rental reimbursement: Pays a specified daily amount for a rental car to use while your vehicle is in the shop for a covered claim.
Bundle and Save on Your Auto Insurance in Spokane
You don’t need to cut corners on coverage to save on auto insurance. Our goal at Jorgensen Insurance Agency is to get you the best protection at the greatest value by understanding the full picture of your insurance needs. By bundling policies with other types of coverage, you can realize significant savings without sacrificing protection. Contact us today by phone at 509-563-4413 or by completing our quick quote form. We look forward to hearing from you!