Why Auto Insurance Matters
Auto insurance is like a trusty sidekick that has your back in unexpected situations. It provides financial protection in case of accidents, theft, or damage to your vehicle. Beyond the legal requirement, having auto insurance brings a host of benefits:
Peace of Mind: No more sleepless nights worrying about the potential costs of a car accident. Auto insurance gives you peace of mind, knowing that you're protected financially.
Repair and Replacement: Accidents happen, but with auto insurance, you can get your vehicle repaired or replaced without draining your savings. That means getting back on the road faster!
Liability Coverage: Auto insurance doesn't just protect your vehicle; it also covers damage or injury caused to others in an accident where you are at fault. It helps you avoid massive financial liabilities.
Extra Protection: Comprehensive coverage goes beyond accidents, covering events like theft, vandalism, natural disasters, and even hitting that elusive deer that appeared out of nowhere!
Protect your one of one.
One of the biggest advantages of choosing Ben Volk Insurance is our commitment to providing excellent customer service. The team at Ben Volk Insurance is knowledgeable and friendly, and they are always willing to go the extra mile to help customers understand their options and make the best decision for their situation.
Liability Coverage: This is the foundation of auto insurance and covers bodily injury and property damage you cause to others in an accident.
Collision Coverage: It pays for damages to your vehicle caused by a collision, regardless of fault. So, whether it's a fender-bender or a more serious accident, you're covered.
Comprehensive Coverage: Protecting against non-collision incidents, comprehensive coverage handles damages from theft, vandalism, natural disasters, falling objects, and more.
Personal Injury Protection (PIP) or Medical (depending on state) coverage takes care of medical expenses and sometimes lost wages for you and your passengers, regardless of fault.
Choosing the Right Coverage
Auto insurance comes in different flavors, and you get to pick the one that suits your needs. Here are a few key coverage options to consider:
Make today count.
We look at several ways to save on your auto insurance to find you the best possible price.
We shop around
We're independently operated so we can compare rates from multiple insurance providers to find the best options for you.
Some insurance companies offer discounts for bundling multiple policies, such as auto and home insurance.
We take it a step further by taking into account longevity credits and loyalty programs to make sure all your policies are working together in harmony, and you're receiving the benefits
Pay how you want to pay
We show you and offer the most flexible payment options available. You decide what day you want to pay and what method. Taking advantage of these options can help you save and budget your insurance more effectively and predictably.
Telematics: Get rewards for driving safe
The program could save you up to 30%, a discount you'll keep for the life of your auto policy. We even guarantee a discount just for signing up and participating.
The crucial coverages that make an effective Auto Insurance Policy
Auto liability insurance is a type of car insurance that is required by law in most states. It is meant to cover the costs of damages and injuries that you may cause to another person in an accident for which you are at fault. It covers expenses such as medical bills, property damage, and lost wages of the other party. It typically comes in two types: bodily injury and property damage liability.
Comprehensive and Collision
Comprehensive and collision coverage are types of car insurance that provide financial protection for damages to your own vehicle.
Comprehensive coverage, also known as "other than collision" coverage, protects your vehicle from damages caused by non-collision events such as theft, vandalism, fire, natural disasters, and falling objects.
Collision coverage, on the other hand, provides protection for damages to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This coverage will pay to repair or replace your vehicle if you are in an accident.
Uninsured/underinsured motorist coverage is a type of car insurance that provides financial protection in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Uninsured motorist coverage will pay for your medical expenses and damage to your vehicle if you are hit by a driver who does not have insurance.
Underinsured motorist coverage will pay for any additional expenses that are not covered by the other driver's insurance policy. For example, if the other driver's insurance policy has a low coverage limit and your expenses exceed that limit, your underinsured motorist coverage will kick in to cover the additional expenses.
This type of coverage is not mandatory in all states, but it is an option that can be added to your auto insurance policy to provide additional protection. It can be helpful to have this coverage in case you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Emergency Roadside Assistance
If you break down or can’t get started, we’ll send out a tow truck to get you to the nearest qualified service station. All you have to do is call.
We’ll help you change out your flat with your spare and get you back on your way. Just need air? No problem. We can do that, too.
Sometimes we all need a little extra boost. If your battery isn’t up to the task, we’ll come give you a jump start.
Fuel and fluids
We’ll deliver essential fluids. Run out of gas? We’ll bring you some. Need radiator or brake fluid? We can bring that, too.
Did you lock your keys in the car? Maybe you just can’t find them. We’ll send out a locksmith to help you get back in your vehicle.
Glass claims are on average of the most common insurance claims made. This specific coverage, which comes standard with most policies include coverage for a new windshield or chip/crack replacement without any money coming out of your pocket.
It's important not to overlook, taking into account new advanced electronics being used in a majority of a new wave of automobile manufactures and models.
Protect your collection
We are proud to offer a wide range of insurance carriers to meet the unique needs of our customers. We even contract with carriers to meet your high performance and Classic/Antique car vehicle insurance needs.
The Best in the West.
Ben Volk Insurance is the best choice for those in the market for auto insurance. Our brokerage offers a wide range of coverage options at competitive prices, making it easy for customers to find the right policy to suit their needs.