Auto Insurance

Protect Yourself and Your Assets with Auto Insurance

You, the customer, will save a lot of grief and money down the road by having the right automobile insurance policy in place now. Thus, InsuranceDirect123 gives you the peace of mind that comes with knowing that you, your family, and your assets are protected. You have the opportunity to receive insurance help from the InsuranceDirect123 team of professional independent agents who are standing by. Because we shop multiple providers on your behalf, you know a thorough comparison has been done for you. And, you will receive your quote quickly and easily. So that you receive only the insurance your need, our professional insurance agents are here to see to that. Also, They work hard at finding the best price available to you.

Automobile Insurance Terms Defined

Your automobile insurance policy has a premium attached to it. A premium is the amount of money that you pay, either monthly, quarterly, or yearly, to maintain your policy.

Liability Insurance
Liability insurance is the portion of the auto insurance policy that applies if you cause an accident. It helps cover property damage and/or bodily injury claims made by the other drivers involved. However, liability insurance does not cover damage to your car or your personal injuries.

Comprehensive Coverage
When you suffer damage to your vehicle that was not caused by a collision, Comprehensive coverage is the portion of the automobile insurance policy that pays. Such things as theft, storm damage, or vandalism are covered by this portion of your policy.

Collision Coverage
Collision coverage is the portion of the automobile insurance policy that pays for accident-related damage to your vehicle.

Consequently, if your vehicle is being financed or leased, your lender may require comprehensive and collision insurance coverage. Also, state mandated liability insurance is always part of the loan agreement.


Before an insurer will begin to pay toward covered expenses, you must pay a deductible which is the amount you pay out-of-pocket for comprehensive and collision claims. As a rule, the higher the premium, the lower the deductible. Conversely, the higher the deductible, the lower the premium. So, before finalizing your automobile insurance policy, you must decide. Do you have the savings to cover a higher out-of-pocket amount in the case of a claim? Or, would you be better off budgeting for a slightly higher premium monthly, quarterly, or annually.

Medical Payments Coverage
Medical payments coverage is the portion of the automobile insurance policy that helps pay for medical expenses incurred as the result of an auto accident.

Uninsured/Underinsured Motorists Coverage

The coverage called uninsured/underinsured motorist is the portion of the automobile insurance policy is very beneficial. If you are involved in an accident with a driver who does not have insurance or does not have enough insurance to adequately cover your costs, this coverage helps pay for medical bills and/or damage to your car.

Contact the professional independent insurance agents at InsuranceDirect123 if you have questions or if you need help with automobile insurance. We are here for you!

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