Auto Insurance
We represent multiple companies to find the best auto insurance for your needs even if your driving record isn’t perfect.
- Progressive
- Bristol West
- National General
- SR 22's
Carriers vary by location.
What is Comprehensive Insurance?
Comprehensive insurance is a type of insurance policy that offers coverage for a wide range of risks. It provides protection against loss or damage to the insured’s vehicle due to situations such as theft, fire, natural disasters, vandalism, or any other unexpected events that are not covered under the basic insurance policies. Comprehensive insurance typically comes with a deductible, which is the amount that the insured has to pay out of pocket before the insurance coverage kicks in.
This type of insurance policy is ideal for car owners who want to be protected against several risks that are beyond their control. It provides peace of mind, knowing that in the event of an unexpected occurrence, the damages, and losses sustained to your vehicle will be covered by the insurer. It is good to note, however, that some insurers have some limitations on the coverage offered under a comprehensive policy, and it is essential to read the policy terms and conditions carefully.
What is Liability Insurance?
Auto liability insurance is a type of insurance that covers the costs of damages or injuries that you cause while driving your vehicle. It is a requirement in most states, and it is meant to protect both you and other drivers on the road. Generally, there are two types of liability insurance: bodily injury liability and property damage liability.
Bodily injury liability covers the cost of injuries or death of other drivers or passengers in an accident where you are at fault. Property damage liability covers the cost of damages to another person’s property that you are responsible for.
Auto liability insurance is intended to cover the other party, not you or your vehicle. If you cause an accident and do not have liability insurance, you will be responsible for paying for damages out of pocket, which could result in financial ruin. Therefore, it is essential to have this type of insurance to protect yourself and others on the road.
What is Rental Reimbursement Insurance?
Auto Rental Reimbursement insurance is a type of optional coverage that can be added to an auto insurance policy. This coverage provides reimbursement for rental car expenses in the event of an accident or theft that results in the insured car being inoperable. With auto rental reimbursement, the insurer may cover the cost of renting a car while the insured vehicle is being repaired or replaced. The coverage limit typically ranges from $20 to $50 per day, for a certain number of days. This can be a beneficial addition to an auto insurance policy, as rental car expenses can add up quickly, especially if the insured relies on their vehicle for transportation. However, it’s important to review the terms and conditions of the auto rental reimbursement coverage to ensure that it meets the individual’s needs, as there may be limitations or exclusions.
What is Roadside Assistance Insurance?
Roadside Assistance Insurance is an optional coverage available through most auto insurance providers. The coverage typically provides assistance to drivers who experience a breakdown or other car-related issue while on the road, such as a flat tire or dead battery. The insurer usually contracts with a third-party service provider, such as AAA, to offer services such as towing, battery jump-starts, lockout assistance, and tire changes. The cost of the coverage varies depending on the insurance company and the level of coverage selected. Roadside Assistance Insurance can provide peace of mind for drivers and prevent unexpected expenses associated with car troubles while traveling.
FAQ
What information will you need to run a quote?
Generally, we will need your name, address, phone number, drivers license number, birthdates, the auto’s VIN number and any other drivers in the home. If you would like to enter this information into an easy to fill form click here.
What do I do if I am in an accident?
Being in an accident can be a scary experience, and it’s important to know what to do if you find yourself in that situation. If you are in an accident, the first step is to ensure that everyone involved is safe and not injured. Once you have established that everyone is safe, you should exchange insurance information with the other involved parties. Additionally, it’s important to document the accident by taking photos or videos of any damage to your vehicle, as well as the surrounding area.
If necessary, you may want to contact law enforcement to file a report. It’s also important to notify your insurance company as soon as possible so that they can assist you in processing any claims. Remember to stay calm and focused, and seek medical attention immediately if anyone is injured. You can find a list of insurance contacts here.
What is a Deductible
A deductible is a predetermined amount of money that an individual must pay out of pocket before their insurance coverage begins to take effect. In other words, it’s the amount of money that the insured person is responsible for paying before their insurance company pays for any covered expenses. Deductibles apply to certain types of insurance policies, such as health, auto, and homeowner’s insurance and are determined based on the policyholder’s particular plan. Often, insurance companies offer a range of deductibles for the policyholder to choose from, with higher deductibles corresponding to lower monthly premiums. The purpose of a deductible is to encourage individuals to use their insurance coverage appropriately and responsibly and to help keep insurance premiums affordable for all policyholders.
Do I need a personal umbrella policy?
An umbrella policy is an additional insurance policy that provides extra liability coverage beyond what your standard home, auto, or boat policy offers. It can be a good idea to have an umbrella policy to protect your assets in case of a liability claim against you that exceeds your current policy limits. This can happen if you are sued for damages in a car accident, slip and fall, or other incident.
However, whether or not you need an umbrella policy depends on several factors, including your net worth, the level of risk in your daily life, and the amount of coverage you have on your standard policies. If you have significant assets that could be at risk, or if you face a high risk of liability claims, then an umbrella policy may be a wise investment. It’s important to speak with an insurance professional at Blue Paddle Insurance agency who can evaluate your specific circumstances and help you determine if an umbrella policy is right for you.
Florida also requires a personal Umbrella when installing solar panels on a home.
What Are the State Insurance Requirements?
| State | Insurance Minimums |
|---|---|
| California | $15,000 bodily injury liability per person $30,000 bodily injury liability per accident $5,000 property damage liability per accident |
| Florida | $10,000 property damage liability per accident $10,000 personal injury protection Recommended: UM/UIM BI: $10,000 per person, $20,000 per accident |
| Idaho | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $15,000 property damage liability per accident |
| Montana | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident |
| New Jersey | $5,000 property damage liability per accident $15,000 personal injury protection |
| New York | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $50,000 liability for death per person $100,000 liability for death per accident $10,000 property damage liability per accident $25,000 uninsured motorist bodily injury coverage per person $50,000 uninsured motorist bodily injury coverage per accident $50,000 personal injury protection |
| North Dakota | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident $30,000 personal injury protection |
| Oregon | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $20,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident $15,000 personal injury protection |
| South Dakota | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident $25,000 uninsured/underinsured motorist coverage per person $50,000 uninsured/underinsured motorist coverage per accident |
| Washington | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident |
| Wisconsin | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $10,000 property damage liability per accident $25,000 uninsured motorist coverage per person $50,000 uninsured motorist coverage per accident |
How much auto insurance do I need?
The amount of auto insurance you need depends on a variety of factors, including your state’s minimum requirements, the value of your car, your personal assets, and your risk tolerance. Most states require liability insurance, which covers the costs of damages or injuries you cause to others in an accident. However, this may not be enough to fully protect your assets. Collision and comprehensive coverage can help repair or replace your car in the event of damage or theft. Additionally, uninsured and underinsured motorist coverage can provide protection if you are hit by a driver without sufficient insurance. To determine the right amount of coverage for your situation, speak with Robert, an insurance agent with Blue Paddle Insurance Agency who can help you understand your options and recommend appropriate coverage levels.
What kind of discount could I be eligible for?
- Multi Policy
- Multi Vehicle
- Continuous Insurance
- Safe Driver
- Teen Driver
- Good Student
- Distant Student
- Homeowner
- Paperless
- Pay In Full
- Automatic Payment
What coverage do I need if my car is leased?
If you have leased a car, you are still required to have car insurance coverage. Most leases require minimum coverage levels, typically liability, collision, and comprehensive insurance. Liability insurance is mandatory in most states and protects you if you are held responsible for causing damage or injuring other people in an accident. Collision insurance covers the cost of repairs to your car if you collide with another object, such as another car or a pole. Comprehensive insurance covers damages to your car from events such as theft, vandalism, weather, or animal collisions. It is important to carefully read your lease agreement to determine the specific insurance requirements for your lease. Blue Paddle Insurance Agency can help you choose the appropriate coverage levels to meet your lease requirements.
Do I need special insurance if I drive Door Dash, Uber Eats, Grub Hub, Spark or Point Pickup?
Yes, you may need special insurance if you drive for Door Dash, Instacart, Uber Eats, Grub Hub, Spark or Point Pickup. These companies typically provide some level of insurance coverage for their drivers, but it may not be enough to fully protect you in the event of an accident or other incident while on the job. Additionally, the coverage provided by these companies may not apply during certain times, such as when you are on your way to pick up food or waiting for a delivery request. It is recommended that you check with Robert @ Blue Paddle Insurance Agency to see if you need additional coverage while driving for these services. Some insurance providers offer specialized coverage for gig economy workers that can help keep you protected. We can help you be sure to understand your insurance options to ensure you are fully covered while driving for these services.