Top Ways to Save on Your Auto Premium:
- Consider raising your deductible
- Pay in full
- Go Paperless
- Keep up your good driving record.
- Drive less to qualify for a low-mileage discount.
- Drive a car with safety features such as auto braking, anti-lock brakes and airbags.
- Install an anti-theft device.
- Ask about our multi-policy discounts.
- Call AmeriAgency at 881-851-5572.
Liability (bodily injury and property damage)
Auto Premium Covers damages you cause to others
If you’re at fault in an auto accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, liability covers you if someone sues you over an accident.
Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.
Comprehensive and collision
Covers damage to your car
These are two separate auto insurance coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.
Example (Comprehensive): You park your car outside during a major hailstorm, and it’s to
Covers your injuries
Pays for medical costs if you, your passengers, or your family members are injured in a car accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Example: Your newly licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies. Get lowest auto premium.