Nearest Office:

Auto Insurance

Let Insurance Navy help you get insured

At Insurance Navy, we know that picking the best cheap auto insurance can be stressful. That is why our agents, with years of experience working in the industry, are experts at matching the right policy with the right person. We offer free auto insurance quotes within minutes in our offices and over the phone. However, we also offer free auto insurance quotes on our website or through our mobile app.

Liability Insurance

Most states require drivers to have at least liability coverage. Liability coverage typically protects a driver from bodily injury and property damage costs of another person or persons. Failure to carry state minimum coverage can result in tickets, revoked driving privileges, and more.

Comprehensive Coverage

Comprehensive coverage will cover the damages for non-driving events. This coverage includes a deductible, which is the amount you agree to pay out of pocket. Limits for comprehensive coverage are the actual cash value of the insured car.

Collision Coverage

Collision coverage covers the repair or replacement of the car that is damaged in a collision. This can be with another vehicle, an object or a single-car accident. There are limits for collision coverage, which is usually the actual cash value of the insured car. You can find an accurate estimate of what your car is worth using Kelly Blue Book.


When you choose a policy such as collision or comprehensive auto insurance, you may come across the terms policy limit and deductible.

A policy limit is the maximum amount an auto insurance company has to pay for insured damages.

A deductible is the amount the holder of a policy must pay out-of-pocket.

So, a deductible will kick in before your insurance company pays for the rest of the damages. Raising your deductible amount does lower your premium cost.