Bodily Injury & Property Damage Liability
RequiredHelps cover injuries or damage you may cause to others in an accident.
- Meet state minimums (or choose higher limits)
- Covers legal defense (policy terms apply)
- Often required to register/drive
AllGuard Insurance Brokerage Inc
Auto Insurance
Drive with confidence with coverage tailored to your needs and budget.
Liability + ProtectionMeet state requirements and protect assets
Collision + ComprehensiveHelps repair or replace your vehicle
Discount OptionsBundle & safe-driver savings
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Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Driver(s) license info
- Vehicle VIN + mileage
- Current policy (if any)
- Desired limits + deductibles
What is Auto Insurance?
Auto insurance helps protect you financially if you’re in an accident, your vehicle is damaged or stolen, or you cause injury or property damage to others.
What does it cover?
Auto policies can be tailored to your vehicle, driving habits, and state requirements.
Collision
If financed/leasedHelps pay to repair or replace your car after a collision, regardless of fault.
- Deductible applies
- Commonly required by lenders
- Useful for newer vehicles
Comprehensive
Broader protectionHelps cover non-collision losses like theft, vandalism, fire, or hail.
- Deductible applies
- Often paired with collision
- May cover glass damage (varies)
Personal Injury Protection (PIP) / Medical Payments
Medical helpHelps cover medical expenses for you and your passengers after an accident (terms vary).
- May include lost wages (PIP)
- Coverage varies by state
- Works alongside health insurance
Uninsured / Underinsured Motorist
RecommendedHelps protect you if you're hit by a driver who has little or no insurance.
- Can cover injuries and/or vehicle damage (varies)
- Important for high-traffic areas
- Limits can often match your liability
Rental Reimbursement & Roadside
Optional add-onsHelpful extras for day-to-day convenience after a covered claim or breakdown.
- Rental car coverage while yours is in repair
- Towing and roadside assistance
- Small cost, big convenience
Good to know
Flood damage is typically excluded under auto policies—ask about available options if you park in flood-prone areas.
Who needs it?
Vehicle owners
Daily commuters
Families with multiple drivers
Leased/financed vehicle owners
Rideshare add‑on (ask us)
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is auto insurance legally required?
Most states require at least minimum liability coverage.
Is minimum coverage enough?
Minimum coverage can leave gaps; higher limits may better protect your savings.
Can I bundle auto with other policies?
Yes—bundling often saves money and simplifies billing.
Does my policy cover rental cars?
Coverage varies; we’ll confirm what applies and adjust if needed.
Will a claim raise my premium?
Not always—impact depends on fault, claim history, and carrier rules.
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Ready to protect what matters?
Request a free quote or speak with an agent.