Auto Insurance
Get an auto insurance quote from our agency and you may save thousands of dollars a year. It only takes a few minutes to find out how much we can save you!
What is Auto Insurance?
Auto Insurance is a contractual agreement between a vehicle owner and an insurance company that provides financial protection against losses or damages resulting from automobile-related incidents. In exchange for regular premium payments, the insurer agrees to cover specific types of expenses and liabilities associated with accidents, theft, or damage involving the insured vehicle.
Auto Insurance Coverages
Bodily Injury Liability
For injuries the policyholder causes to someone else.
Medical Payments or Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the policyholder’s car.
Property Damage Liability
For damage the policyholder causes to someone else’s property.
Collision
For damage to the policyholder’s car from a collision.
Comprehensive
For damage to the policyholder’s car not involving a collision with another car.
Uninsured Motorist
A driver lacking legally required liability insurance, including those with no insurance or insufficient coverage for damages.
Key Components Of Auto Insurance
Typically Include
1. Premium: The amount you pay for the insurance coverage, usually on a monthly or annual basis.
2. Deductible: The amount you must pay out-of-pocket before the insurance coverage kicks in for certain types of claims.
3. Coverage Types: Different categories of protection such as liability, collision, comprehensive, and more, each addressing various risks associated with vehicle ownership and operation.
4. Policy Limits: The maximum amount the insurer will pay for a covered claim, which can vary depending on the policy and coverage types.
5. Exclusions: Specific situations or conditions that are not covered by your insurance policy. These exclusions can vary by insurer but commonly include Intentional Damage, Driving Under the Influence, Unlisted Drivers, Racing or Speed Contests, Use for Commercial Purposes. It’s essential to review your policy and understand these exclusions to avoid unexpected surprises when you need to file a claim.
ATV Insurance
Safeguard your all-terrain vehicle with tailored insurance that covers accidents, theft, and liability, keeping your adventures worry-free.
Auto Insurance
Protect your car with comprehensive auto insurance covering accidents, theft, and damage, ensuring peace of mind on the road.
Boat Insurance
Ensure your boat is protected with coverage for accidents, damage, and liability, allowing you to enjoy the water with confidence.
Classic Car Insurance
Preserve the value of your classic car with specialized insurance that covers unique needs and protects against damage, theft, and liability.
Motorcycle Insurance
Get comprehensive coverage for your motorcycle, including protection against accidents, theft, and liability, ensuring a safe and enjoyable ride.
Roadside Assistance
Access emergency support for breakdowns and accidents with roadside assistance, offering quick help and peace of mind on the road.
RV Insurance
Protect your recreational vehicle with coverage for accidents, damage, and liability, ensuring a secure and enjoyable experience on your travels.
Trailer Insurance
Ensures that trailer owners are financially protected while using their trailers for personal, commercial, or recreational purposes.
Get Insurance Quote & $ave
Our competitive rates and personalized coverage options ensure you receive both protection and value.
Carroll Agency Inc is dedicated to providing personalized insurance solutions that protect your assets and ensure peace of mind.
Contact Info
Locations
- AL
- AR
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- CA
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- LA
- MA
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- MO
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- NC
- NJ
- OH
- OK
- PA
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- TX
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- VT
Email address
Phone
(888) 531-0256