Auto Insurance

Automobile insurance from Stay Kalm Insurance helps you cover the cost of damages when you’re involved in an automobile accident.

Your policy may feature two types of coverage that will cover your vehicle and damage to another person’s vehicle in the event of an accident, as well as the costs associated with damage from roll-overs. You may also have a second type of coverage that pays for the damages to your car if it’s stolen or damaged without a collision.

An auto insurance policy with Stay Kalm Insurance helps make sure you aren’t liable for damages when you drive your car, that you can get your car repaired when it’s in an accident and that you have enough insurance coverage as required by the state in which you live.

What is Collision Insurance for Automobile Insurance?

As the name suggests, collision insurance helps repair your vehicle when it’s damaged in a collision with another vehicle, or you hit a tree or other stationary object like a fence. Most banks that finance vehicles require that you have collision insurance as part of your policy while you’re making loan payments.

Your collision coverage will usually have a deductible, which is an amount of money you must pay in the event of an accident before your insurance policy will activate to cover the remaining balance. Your collision policy will also have a limit as to the amount of money that it will pay to fix your car.

What is Comprehensive Insurance for Auto Insurance?

Comprehensive insurance coverage is an optional part of your auto insurance policy. This coverage pays to repair your car when it’s damaged without having been in a collision, as well as when the car is damaged during theft of the vehicle or theft of its contents.

Comprehensive coverage will cover your car for a wide range of events like:

Vandalism
Fires
Flooding
Falling trees
And other freak accidents

It’s important to read your policy in full, as well as to discuss this coverage with your insurance agent, to ensure you’re getting everything you need out of your policy.

Shopping for a Car Insurance Policy

These are some items to consider as you shop for your auto insurance policy with Stay Kalm:

Figure out the total number of miles you drive each year, so your policy doesn’t cost more than is necessary for the amount you drive.

Make sure your policy features flood coverage and water crash coverage if you live in a flood-prone area. You may need additional insurance for flood coverage.

When you shop for a new car, check with your insurance company to see if your new vehicle will offer a more affordable rate, as well as affordable repairs.

You may wish to have a list of questions when you call Stay Kalm Insurance. We can answer every question you have about your new policy, as well as make excellent recommendations on the level of car insurance you need.

Let Stay Kalm Insurance Provide the Best Coverage for Your Vehicles

You deserve the best coverage possible in vehicle insurance. If you drive a car in the United States, you need a car insurance policy for legal reasons, as well as safety reasons.

Contact one of our knowledgeable car insurance experts today at 1-214-377-0812 to discuss your auto insurance policy.