Welcome to UR Choice Insurance's Auto Insurance Page. Finding the right auto insurance for your needs is crucial to protecting yourself on the road. Our knowledgeable agents are here to guide you through selecting the optimal coverage so you can drive with confidence.
YOUR COMPREHENSIVE GUIDE TO AUTO INSURANCE (Huntsville, AL)
At UR Choice Insurance we work hard so you don't have to. Auto Insurance may be required, but not all insurance policies are equal. Understanding your coverages is an important first step to making sure you have the coverage you need!
UNDERSTAND YOUR AUTO INSURANCE COVERAGE?
Auto insurance provides financial protection against losses related to your vehicle. It is required in most states and is essential for all drivers. There are six main types of auto insurance coverage to understand:
- Liability Coverage - Protects you if you are at fault for damage or injury to others in an accident. This coverage is required in most states. We offer options with limits up to $500,000.
- Collision Coverage - Covers damage to your vehicle from a collision, regardless of who is at fault. This is optional but recommended coverage.
- Comprehensive Coverage - Protects against theft or damage to your car from incidents other than collisions, like fire, falling objects, floods, vandalism, and more. Also optional but recommended.
- Uninsured/Underinsured Motorist Coverage - Provides protection if you're injured by a driver who doesn't have auto insurance or sufficient coverage. Required in some states.
- Medical Payments Coverage - Helps pay medical expenses for you or your passengers after an accident, regardless of who was at fault. Optional add-on.
- Personal Injury Protection - Helps pay medical expenses and lost wages for you and your passengers after an accident, no matter who was at fault. Required in some states.
HOW MUCH AUTO INSURANCE DO I NEED?
The amount of coverage you need depends on your situation. Factors like your vehicle value, assets, driving history, and state laws determine optimal coverage limits. Our agents work with you one-on-one to evaluate:
✅ The costs to repair or replace your vehicle if damaged. This guides limits for collision and comprehensive coverage.
✅ Your financial assets and ability to pay expenses out-of-pocket if you cause an accident. This guides liability coverage limits.
✅ Your health insurance and medical costs to determine need for medical payments or PIP coverage.
✅ Your state’s minimum auto insurance requirements.
We customize policies specific to your risks and needs while optimizing for affordability. Get in touch today to discuss your ideal auto insurance coverage.
HOW CAN I SAVE ON AUTO INSURANCE?
There are multiple discounts that can help you save on your premiums:
- Multi-policy discount: Bundle home and auto policies with us for up to 20% off.
- Multi-car discount: Insure all your vehicles through the same carrier for savings up to 25%.
- Good driver discount: Drivers with no violations can save up to 30%.
- Good student discount: Full-time students under 25 who maintain a B average can save up to 15%.
- Defensive driver discount: Taking an approved safe driving course can save 5-15%.
- Short Mileage discount: Drive less than the average and save based on actual mileage.
- Anti-theft device discount: Install a qualifying device like car alarm or tracking system for potential savings.
- Save Driving Discount: Continue to drive safely and maintain a clean record. Check in often for new discounts you may qualify for over time. We are happy to review money-saving options at your next policy renewal.
*Disclaimer: Discounts available and the amount of discount applied to a policy may vary by carrier.
The Right Auto Insurance for You
Getting in an accident can lead to costly vehicle repairs, medical bills, lawsuits, and more. Having insufficient coverage is a risky and expensive gamble. Work with our trusted agents to ensure you have the optimal auto insurance policy in place before you hit the road. We make it fast and easy to get covered and save money. Reach out today to discuss your needs and get a free quote!