Affordable Auto Insurance
Let Carroll Insurance protect one of your most valuable investment.
From the moment you start your quote, Carroll Insurance gets to work, helping you find affordable Auto Insurance coverages that are right for you. We will show you how we calculate your rate and what’s covered so that you can feel confident you are only paying for what you need to drive with piece of mind.
Auto coverage is generally broken down into 3 distinct categories: Liability, physical damage, and medical coverages. While your state may require one of more of these, a mixture of all three are extremely valuable in providing a financial safeguard to you and your passengers.
Coverage Can Include
- Liability (Bodily injury and property damage) – Coverage damages you cause to others
- Other Than Collision & Collision – Physical damage to your car.
- Uninsured/underinsured motorist – Covers your injuries and damages
- Personal Injury Protection – Covers your injuries
- Rental car reimbursement – Covers rental car fees due to a covered claim
- Loan/lease Gap – Helps pay off your loan if your car is totaled
- Multi-Policy Discounts
- Safe Driver Discount
- New vehicle Discounts
- Good Student
- Additional discounts may be available
Types of Coverage
Speak with a Carroll Insurance agent today to customize a quote for an auto insurance policy based on your driving record, vehicle, and coverages that will best protect you and your loved ones.
Medical Payments Coverage
Medical payments coverage can help cover accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. Its can also offer coverage if you’re struck by a car as a pedestrian or cyclist.
Personal Injury Protection Coverage (PIP)
Personal Injury Protection can assist in covering medical expenses for you and your passengers after an accident, regardless of fault. This may be offered or required in no-fault states. PIP is a complex coverage that varies significantly in different states. In general, it covers hospitalization, rehabilitation, other medical expenses, and sometimes even lost wages up the limits you select.
Other Than Collision Coverage
This covers the unpredictable elements that occur when driving on the road or even in your own driveway. This coverage can help pay for repairs (or replacement, if your car has been totaled) after your car’s damaged by a natural disaster, vandalism, theft, fire, or a falling tree branch. Collision Coverage Collision coverage, together with Other Than Collision coverage, are the two elements that often are referred to as “full coverage”. Collision is there to assist you if you have caused an accident. It will help you cover repairs to damage or replace parts of your car.
Roadside Assistance Coverage
Other Than Collision and Comprehensive coverages are important, but neither will spring into action until your car gets to the repair shop. Getting it there can be an issue with a combination of towing and other roadside service fees. This is where emergency roadside assistance service can be beneficial. Roadside Assistance can be purchase on policies that have comprehensive and collision coverages. It can be incredibly helpful if a repair or collision leaves you marooned. It can also be used for non-emergencies such as gas fill-ups, battery jumps, etc. Speak with a Carroll Insurance agent today to add Roadside Assistance to your policy today.
Rental Car Coverage
This coverage will reimburse you for the cost of a rental car if your insured vehicle is in the show or is unavailable due to a covered claim. In this case, comprehensive and collision policies are required in order to add rental car coverage.
Loan/Lease Gap Coverage
If you’ve financed or leased a vehicle and you have an accident that declares it a total loss, you could end up owing more than the car is worth. This is due to depreciation. Ask your Carroll Insurance agent for more details.