From the moment you begin shopping for an auto insurance policy with Carroll, we work to find the most affordable coverage tailored to your needs. We will show you how we calculate your rates and help you understand what is covered. You will feel confident that you are only paying for what you need to drive with peace of mind.
Auto coverage is generally broken down into three distinct categories: liability, physical damage, and medical coverages. While your state may require one or more of these, a combination of all three is very valuable in providing a financial safeguard to you and your passengers.
Available coverages and discounts
Types of coverage
There are a number of different parts to any auto insurance policy. Some cover bodily injury, others cover property damage. A good auto insurance policy covers both other drivers and yourself.
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. PIP is a complex coverage that varies significantly from state-to-state. It’s recommended in some states, and required in others. In general, it covers hospitalization, rehabilitation, other medical expenses, and sometimes even lost wages, up the limits you select when choosing your policy.
This covers the unpredictable elements that occur when driving on the road, off the road, or even in your own driveway. This coverage can help pay for repair or replacement in the event of a natural disaster, vandalism, theft, fire, or a falling tree. This incidental protection, along with the self-explanatory Collision coverage, make up the elements often referred to as “full coverage”.
Roadside Assistance coverage
In this day and age, roads are good and cars are reliable, but a breakdown on the site of the road is not an uncommon occurrence. Getting a stalled vehicle to the shop can be slow, complicated, and expensive, on top of the fact that you didn’t make it where you were going. Roadside Assistance is a common rider on auto policies, that covers the cost of towing, gas fill-ups, battery jumps, and even retrieving keys locked in the vehicle.
Rental Car coverage
Auto accidents often leave drivers without a vehicle, due to repairs, temporary impounding, or even total loss. Rental car coverage will reimburse you for the cost of a rental vehicle in the event your car is unavailable or not drivable due to a covered loss. Comprehensive and collision policies are generally prerequisites for rental car coverage.
Loan/Lease Gap coverage
If you wreck a financed or leased car and are found at fault, you could wind up owing more than the value of the vehicle. In this case, your coverage could be insufficient to pay off your loan or lease contract. Gap insurance makes up the difference, so you don’t need to come out of pocket on top of the losses you’ve already sustained.
Get started with an Auto Insurance Policy
Carroll Insurance is here to help you get covered out on the road. We can provide the best auto insurance program that will fit your needs at a competitive price. To protect yourself and your family, you must make sure that you are carrying the right amount of protection on your vehicles.