Cheap car insurance quotes with Insurance Navy

What Kind of Car Insurance Policies Are Provided by Insurance Navy?

Auto insurance rates can vary significantly among different insurance carriers. Comparing quotes from different companies is the best way to find affordable car insurance with a provider you can trust.

Everything from your zip code, credit history, having a clean driving record, a teen driver, or a fault accident on your driving record or insurance policy can significantly influence your insurance costs, and you may need to find cheaper car insurance options.

At Insurance Navy, we streamline the process of exploring insurance policies so you get the coverage you need at an insurance rate you can afford. Cheap auto insurance doesn't mean you have to compromise on coverage options; we provide the following coverage listed below.

Liability Insurance

Liability insurance helps drivers pay for damages when they are at fault in a car accident. It pays for medical bills, legal fees, and repair or replacement of damaged property. Required in most states, liability coverage has limits expressed in numbers like 100/300 which means maximum payout per injured person and per accident.

Uninsured Motorist Coverage

Uninsured motorist coverage helps drivers involved in accidents with uninsured or hit-and-run drivers. It pays for medical bills, lost wages and other expenses for the driver and their passengers. UM coverage also covers accidents with underinsured motorists (UIM) when the at-fault driver's policy limits are not enough to cover the total damages in an accident.

Collision Coverage

Collision coverage pays for repairs or replacement of your vehicle after an accident, regardless of who was at fault. It covers accidents with other vehicles or objects like fences or poles. Typically with a deductible of usually $500 or $1000, collision coverage is good for drivers of newer or financed vehicles as it reduces out-of-pocket repair costs.

Comprehensive Coverage

Comprehensive coverage, protects your vehicle from damage caused by non-accident related incidents like theft, vandalism, natural disasters and animal collisions. Like collision coverage, comprehensive insurance has a deductible. This coverage is good for drivers who want extra protection and is required by lenders when vehicles are financed or leased.

Medical Payments Coverage

Medical payments coverage, also known as MedPay, pays for medical expenses incurred by the driver and passengers due to an auto accident, regardless of fault. It covers hospital visits, surgery, X-rays and other immediate medical costs. MedPay is optional in many states but is good for drivers without comprehensive health insurance or those with high-deductible health plans.

Roadside Assistance and Towing

Roadside assistance coverage provides help for common vehicle breakdowns like towing, battery jump starts, flat tire changes, lockouts and fuel delivery. It's designed to reduce inconvenience and reduce the risk of the driver being stranded. It is often offered as an add-on to standard auto policies for a low cost. This coverage gives drivers peace of mind, especially for drivers who commute or travel long distances.

Rental Reimbursement

Rental reimbursement coverage helps policyholders pay for the temporary costs of renting a vehicle while their primary vehicle is being repaired after a covered insurance claim. Coverage has daily rental limits and overall time for renting a car, usually 30 days. Although optional, rental reimbursement is good for drivers who rely heavily on their vehicle for daily activities and need a car to drive during repairs.

SR-22 Insurance

An SR-22 is a certificate filed by an insurance company with the state's department of motor vehicles. This SR-22 certificate shows that a driver has at least the state's minimum required auto insurance coverage. It is often required after serious driving violations like DUIs, driving without insurance or multiple traffic offenses. SR-22 insurance proves financial responsibility and is usually required for three years. Although often referred to as "SR-22 insurance," it's technically a form rather than a type of coverage.

Motorcycle Insurance

Motorcycle insurance is coverage specifically for motorcycles. It proves financial protection against liability, collision, comprehensive damage and injuries. Coverage options include liability for third-party injuries and property damage, comprehensive and collision protection, medical payments and even customized parts coverage. Since motorcycles have a higher injury risk, this policy often has additional coverage suited for motorcycle riders.

Commercial Auto Insurance

Commercial auto insurance covers vehicles used primarily for business purposes, protecting businesses from liability and property damage associated with company vehicles or employee-operated vehicles. Coverage includes liability, collision, comprehensive, medical payments and protection against uninsured motorists. Essential for fleet operations, transportation services and businesses that rely heavily on vehicle use, commercial auto policies can be customized to fit your business needs.

Rideshare Insurance

If your personal car doubles as your business vehicle, make sure you're protected with an add-on Rideshare insurance policy. Rideshare insurance provides coverage gaps for using your personal vehicle for ridesharing work. This specialized insurance policy makes sure you remain fully covered from any potential risks when ridesharing.