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Auto Insurance

Protected around every corner.

Ensure you have the best auto insurance protection at the best rates by speaking with a Marshall & Sterling representative today. We can help protect you in case of an unfortunate accident.

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What is covered under automobile insurance?

An automobile insurance policy is designed to provide you with a level of protection against property, liability, and medical costs if you are involved in an accident:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Most states require car owners to purchase a minimum of bodily injury and property damage liability insurance.
  • Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

Comprehensive & Collision Coverage

Comprehensive: Covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision. This coverage is not required by a state, but a lender may insist that you carry it until your loan is paid off.

Collision: Covers damage to your car when your car hits, or is hit by another vehicle or other object. This coverage is not required by a state, but if you have a loan or a lease, then the lien holder will require it.

What about rental car insurance?

The best time to make the decision about whether you will need extra rental car insurance is before you’re standing at the car rental counter.

Collision Damage Waiver (CDW), or Loss Damage Waiver (LDW), relieves you of financial responsibility if your rental car is damaged or stolen. If you have comprehensive and collision on your own car, you most likely do not need to purchase CDW from the rental car agency. Additionally, your credit card company may include some collision and theft protection if the rental car is paid for with your card. If your credit card doesn’t offer coverage for loss of use, you may want to consider purchasing CDW from the rental agency.

Liability insurance provides excess liability coverage of up to $1 million for the time you rent a car. Rental companies are required by law to provide the minimum level of liability insurance required by your state. If you have adequate liability coverage on your car or an umbrella policy on your home/auto, you may consider forgoing this additional insurance.

Teenager driving car with friend

Insuring a teen driver.

If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring your new driver can be an expensive endeavor. To help manage costs and find the right solution it is important to consider the following:

  • Adding them to your auto policy
  • Raising your deductibles
  • Student discounts
  • A new versus used car
Contact a Marshall and Sterling team member today to learn more about the different automobile insurance options that are available for you and your family.

Online Defensive Driving

Complete your 6-hour online defensive driving course, on your own time, to save up to 10% on your insurance and reduce points on your license (available in select states). No more scrambling for special reservations on a weekend, only to spend your day off in a crowded classroom.

Click on a state below:

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Tips from Experts
Tips from our experts
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The Benefits of Raising Your Auto Insurance Limits

Insurance is mandatory in order to operate a vehicle in the United States, and every state has specific coverage limits that you must meet. While meeting these minimum limits may be enough to get you on the road, they are often inadequate if you are involved in a serious accident. As such, you may want to consider raising your limits in order to secure the right protection.

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Tips to Keep Insurance Costs Down, and Teen Drivers Safe

Car crashes are one of the greatest dangers your teens face. According to the Centers for Disease Control and Prevention, the risk of motor vehicle accidents is higher among 16- to 19-year-olds than among any other age group—they are nearly three times more likely to crash than older drivers!

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Car Insurance Terms Every Driver Should Know

We get it, auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker: