Auto Insurance 101

There are many different types of Auto insurance coverages for you to choose from. Our agent can work with you to help you decide what insurance coverage combinations you want and provide the coverage at a price that fits your budget.

What is Auto Insurance?
Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

What if I don't have car insurance?
In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact your local ours agent to find out what the specific requirements are in your state for car insurance quotes.

How much Auto insurance coverage should I purchase?
The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and budget.

How can I keep my auto premiums down?
Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for discounts based on safety features on your vehicle. ours also offers an Annual Policy which keeps your rates stable for the entire year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore, with the oursFlex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you insure additional cars or your home with ours you can save on all your premiums. For further information, contact your ours agent.

Why should I insure my car with ours?
With ours, you get a local professional agent, who can offer you insurance coverage to meet your auto, home, other and small business insurance needs, simplifying your other and enabling you to save with multi-line discounts. Your ours agent can talk to you about which discounts you may be eligible for. ours is committed to serving the needs of its customers, with unparalleled customer and claims service.

Available Auto Insurance Discounts
Depending on your state, you may be eligible for a variety of auto insurance discounts. ours currently offers auto discounts for:

- Occupational Groups (Doctors, RNs, Dentists, Teachers, Police, Firefighters, etc.)
- Retired Professionals
- Homeowners
- New Parents
- Good Students
- Teens Training
- Air Bags
- Two or More Automobiles
- And more!

Discounts for you:
Purchase your Auto, Home, and other insurance with ours and save up to 25%.

We have resources for Related Topics:
- What affects Auto Insurance Premiums?
- ours Flex Program
- Teen Drivers
- Personal Liability Umbrella Coverage
- Video: Why a Personal Umbrella Policy?
- Video: Insuring Your Auto