The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
How much auto insurance is right for you?
Auto insurance requirements vary by state. In some states, to drive you must carry:
We write insurance in New York, New Jersey, Connecticut, Pennsylvania, Ohio, Maryland and Florida and would be happy to help you ensure you have the right car insurance coverage.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance or lease a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us today to find out how to get the best price and value on car insurance for you.
We offer AARP Automobile Insurance through The Hartford Insurance Company. This is a great way for AARP members to save a lot of money on their Automobile policy. Call us to quote your AARP policy! If you aren't a member of AARP and would like to receive this great discount please apply for a membership at http://www.aarp.org
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It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
Not all classic or antique cars are used the same, so Aljay Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Here are some features you should look for when shopping for classic car insurance:
Do you need insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk to one of our agents to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.