Cheap car insurance quotes with Insurance Navy

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

While auto insurance rates can vary significantly among providers, exploring and comparing quotes from different companies is essential to finding 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 when they are at fault for bodily injury or property damage to others in an auto accident. It pays for medical bills, legal fees and repair or replacement of damaged property so you can meet your legal obligations. Required in most states, liability coverage has limits expressed in numbers like 100/300 which means maximum payout per injured person and per incident respectively.

Uninsured Motorist Coverage

Uninsured motorist (UM) coverage helps drivers involved in accidents with uninsured or hit-and-run drivers. It pays for medical bills, lost wages and other related expenses for the insured and passengers. UM coverage also extends to 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 (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, also known as “other-than-collision,” 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 often 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, lockout assistance and emergency fuel delivery. It’s designed to minimize inconvenience and reduce the risk of being stranded. Often offered as an add-on to standard policies for a low cost, this coverage gives you peace of mind, especially for drivers who commute or travel long distances.

Rental Reimbursement

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

SR-22 Insurance

An SR-22 is a certificate filed by an insurance company with the state’s department of motor vehicles (DMV) to show that a driver has at least the minimum required auto insurance coverage. Often required after serious violations like DUIs or repeated traffic offenses, SR-22 insurance proves financial responsibility and is usually required for several 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, providing financial protection against liability, collision, comprehensive damage and injury. Coverage options include liability for third-party injuries and property damage, comprehensive and collision protection, medical payments and even customized accessories coverage. Since motorcycles have higher injury risk, this policy often has additional protection features suited for 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, ensure you’re protected with an add-on Rideshare insurance policy that provides coverage gaps for using your personal vehicle for ridesharing services. This specialized insurance ensures that you remain fully protected from any potential risks unique to ridesharing.