Auto Insurance

Auto Insurance

We have all seen the commercials for 15 minute car insurance. You pick the premium, saving you more on your car insurance, or double checking your discounts. We can do that too, but we aren’t sure if you really knew what was behind those catchy slogans if you would want that type of car insurance. At the Alan Springer Agency, we take our job as insurance agents seriously. It is our job not only to make sure you are covered but to make sure you are insured properly. That’s why we are dedicated to providing the highest quality auto insurance in Hot Springs.

Sure, we could give you high deductibles or slash your coverages to save you money every month. We could quickly give you a cookie cutter quote to get it done fast. We could let you pick what you want your premium to be, but we take the approach that we are professionals and want to ensure that we take care of you like we would want someone to take care of us. In the short run, it might be great to give you minimum coverage’s so you can save a few dollars a month, but if you have an accident, those minimum coverage’s could cost you a fortune, even your home or life savings.

At the Alan Springer Agency, we take the time to get to know you and your situation and then make an educated decision with you on what coverage’s fit your needs. We take providing you with the right coverages seriously. We aren’t a fast food drive thru restaurant and we aren’t slapping together some hamburger and fries value meal. We are insuring you and your family. What could be more important than protecting the things that matter most in your life?

Auto Insurance Coverage Options

Think about how your life has changed since you got your first auto policy. Have you gotten married? Started a family? Purchased a home? It might be time to reevaluate your personal situation to make sure your coverage options are correct. Below are some coverages and definitions of what those terms mean that you see on your policy.

Bodily Injury Liability Coverage

This type of coverage provides protection for bodily injuries you are legally obligated to pay because of injuries you cause to others in a covered accident. Some things you might be liable for are costs associated with their medical treatment, lost wages and pain and suffering.

Property Liability Coverage

This type of coverage provides protection for damages you are obligated to pay because of the damage you caused to the property of others in a covered accident. So your insurance is protecting more than just your car, it is protecting your assets.

Uninsured Motorist Bodily Injury Coverage

This type of coverage protects you and your family if you are injured in a covered accident caused by a negligent uninsured driver.

Personal Injury Protection Coverage

Also commonly referred to as PIP coverage or No-Fault coverage, this type of coverage provides protection for reasonable and necessary medical expenses you or your family incur as a result of a covered accident. PIP also might include additional coverages such as: medical or rehab expenses, loss of wages, death compensation and funeral expenses.

Personal Injury Protection Coverage

Also commonly referred to as PIP coverage or No-Fault coverage, this type of coverage provides protection for reasonable and necessary medical expenses you or your family incur as a result of a covered accident. PIP also might include additional coverages such as: medical or rehab expenses, loss of wages, death compensation and funeral expenses.

Collision Coverage

This covers damage to your auto caused by a covered accident with another car, or covered collision with almost anything (ex: tree, building, etc).

Comprehensive Coverage

This covers damages to your automobile caused not by collision, which might include damages caused by hail, theft, vandalism, fire, falling objects, explosions and earthquakes, or hitting an animal.

Rental Reimbursement Coverage

This optional coverage covers reimbursements for the costs associated with renting a car when your vehicle is being repaired or serviced due to a covered accident.

Towing and Labor Costs Coverage

This optional coverage reimburses you up to a certain point for your necessary towing charges should your car become disabled.
If you’re looking for auto insurance in Hot Springs and want the highest level of customer support and satisfaction, contact the Alan Springer Agency.
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