An auto insurance policy actually consists of several different coverage's.
Required in most states, it is something all drivers must posses.

Liability Insurance
This coverage is the basis of all auto insurance policies, and the minimum required in most states. If you're found at fault in an accident, liability insurance pays for the injury and property damage expenses of the third party involved in the accident. Property damage pays for the replacement or repair of anything that was damaged. Bodily injury expenses cover lost wages and medical bills. If you cause a major accident, your current or potential coverage may not cover you sufficiently. It is a safe bet to buy more than the minimum required by your state.

Collision
If you're found at fault in an accident, collision coverage will cover expenses needed to repair your vehicle. Collision coverage is usually the most expensive component of an auto insurance policy, although it isn't required. Insurance companies might proclaim your car a “total loss” if the repairs exceed the market value of the car. When this occurs, the insurance company will pay you the actual cash value, minus the deductible. From there your car is off to an auction where it will be sold for parts or scrap.

Replacement Cost:
The amount required to replace your car or repair damages without considering depreciation.

Depreciation:
Decrease in value because of age/wear on vehicle.

Actual Cash Value (ACV):
The value of your car when it is damaged or destroyed. Insurance companies figure the ACV by subtracting the depreciation from the replacement cost.

Tip:
In most cases, it’s better to choose replacement cost coverage. Although higher in price, the protection may be worth it.

Comprehensive:
Comprehensive coverage will pay for damages to your vehicle that were not caused by an accident. This includes fire, vandalism, theft, natural disaster, and even animals. Depending on the damage, the insurance company will pay the cars worth right before the incident. This is also optional coverage.


This process will allow you to request a quote for up to 4 vehicles and 4 drivers.
Upon completion of the form, the information will be sent to an insurance agent, who will generate a quote and email that information to you.

This is some information you should have available to complete the form:
1)Year/Make/Model or VIN for each vehicle
2)Name/Date of Birth for each driver
3)Accidents/Violations within the last 36 months

The premium that you will receive is valid providing it meets the underwriting and rating guidelines of the company. This is not an insurance policy nor insurance binder. This is a quote for your information only.


The 13 Steps if an Accident Occurs

Unfortunately, bad things do happen, no matter how careful we are. Think through these 13 steps now. If a car accident happens, you'll know what to do.

1. Promptly notify the police and call for an ambulance if anyone is hurt.

2. Cooperate with the authorities who come to the scene.

3. Take reasonable steps to protect your vehicle from another loss. Consider moving it out of the flow of traffic.

4. Try to record everything on the scene. Your notes should include details of the accident, identification of the autos and people involved, and the names and badge numbers of all emergency personnel. Take pictures if possible.

5. Insist on breath tests if you suspect drugs or alcohol are involved.

6. Do not accept money. Do not accept fault. Do not agree to forget about the auto accident.

7. Get copies of all police reports.

8. Have the insurance company inspect and appraise the damage before any steps are taken to repair it.

9. Cooperate with the auto insurance carrier representative in the investigation, defense or settlement.

10. Send your car insurance carrier copies of any notice or legal papers received in connection with the accident as soon as possible. Make sure you keep the originals.

11. If you are injured, submit to physical examinations by physicians selected by the insurance carrier as often as they reasonably require. (The insurance carrier pays the cost of these examinations.)

12. Give your authorization for the insurance carrier to obtain medical reports and other pertinent records.

13. File a claim.