Auto Insurance

Protect your vehicle… and your financial assets

Why is auto insurance essential?

If you drive without the right auto insurance coverage, you could be putting yourself and your vehicle at risk. An auto insurance policy can cover you for multiple scenarios involving vehicle crashes, property damage, and injuries to yourself, your passengers, and other motorists. Without this coverage, you would be forced to pay out of pocket after an accident, which could wipe out your savings or other financial assets.

In many states, minimum liability insurance is required if you are at fault in an accident and need to pay damages. However, in most cases, we recommend adding full coverage for better protection and convenience. In fact, if you finance your vehicle, this insurance may be required.

What is full coverage auto insurance?

Full coverage includes two key components: collision and comprehensive insurance.

Collision coverage pays for repairs to your car or truck after an accident where you are at fault or where the other motorist doesn’t have sufficient coverage. This lets you get your life back to normal quickly when you rely on your car for work, school, errands, and family activities.

Comprehensive insurance pays for repairs to or replacement of your vehicle in the event it is lost or damaged to fire, storms, theft, or vandalism.

Some of our clients add extra coverage for more peace of mind:

Increased liability coverage beyond the state minimum
Coverage for an accident with an uninsured motorist
Medical care for you and your passengers
No-fault coverage
Roadside assistance in case you are stranded

How does the premium-deductible balance work?

Your premium is the cost of your auto policy. The deductible is a small amount you need to pay on your own before your insurance policy kicks in after filing a claim.

Typically, the higher your auto insurance premium, the lower your deductible, and vice versa. We work with all our clients to find the perfect balance of premium and deductible for their required coverage and budgetary limitations.

How much coverage do you need?

Every client is different when it comes to auto insurance. We can help you calculate how much coverage you need based on factors like:

The value of your vehicle
Financing requirements
Where your vehicle is kept
How much driving you do
New or young drivers in the household
Desire for higher level of protection

Let our independent agents help you find the ideal auto policy

Personalized service with your unique needs in mind

Our independent agents at Halligan Insurance Group can help you select the perfect auto policy for you. You’ll get personalized service and an agency that specializes in finding insurance solutions for firefighters and EMS workers. Call 800-509-6370 for a specialized auto insurance quote.