Car insurance is something every motorist in Alabama is required to have, but do the minimum requirements offer enough protection for you and your vehicle? Our experts at Collins Insurance Agency work with many nationally recognized insurance carriers to save you the most money without sacrificing coverage.

Whether you are looking to lower your current auto insurance rate, looking for your first policy, or have questions about adding additional coverage to an existing policy, we have the knowledge and expertise to find the best plan for you.  Let’s take a look at common coverage options available in a standard policy. 

Liability insurance covers any damages caused to another party and/or their vehicle when you are the person who is responsible for an accident.  It also provides coverage to defend you if you are sued because of an accident.  There are different levels of liability coverage available.  Alabama law requires liability coverage for all insured motorists.  We can help determine a level of coverage that fits your budget, but also provides you with adequate protection.  
 
There are a number of optional coverage types available such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payment coverage, loan/lease gap coverage, rental car coverage, and roadside assistance/towing coverage.  Collision and comprehensive coverage are the most common optional policy additions.  These two forms of coverage will protect the investment you have made in your vehicle.
 
Collision coverage will cover damages to your car in the event you were to hit another vehicle, an object, or were to flip your vehicle.  Your bank or lender may require you to have collision coverage if you are currently financing or leasing a vehicle.  When considering collision coverage for your policy, it is important to take into account the age and condition of your vehicle.  It may not make sense to add collision coverage if your car is older and no longer of much value.      

Comprehensive coverage is available to protect your vehicle in the event it is damaged by something other than a collision with another vehicle.  This form of coverage offers protection against damages caused by fire, theft, vandalism, natural disaster, and other non-collision related damage.     
 

Broad, Flexible Protection for You and Your Automobile

Insurance Coverages: Additional Expense Bodily Injury Liability Collision Comprehensive Full Glass Loan/Lease Gap Medical Payments Non-Owned Automobile Personal Auto Plus Personal Injury Protection Pet Medical Coverage Physical Damage Plus Property Damage Liability Rental Car Road Trouble Service Underinsured Motorist Liability Uninsured Motorist Liability Uninsured Motorist Property Damage

Personal Auto: All-Terrain Vehicles Antique Vehicles & Classic Vehicles Automobiles Converted or Modified Vehicles Mopeds Motor Homes Motorcycles Recreational Vehicles Utility Trailers Vacation Trailers/Campers

Discounts Available: Company Car Green Discount Group/Franchise Mature Drivers Multiple Policies Multiple Vehicles Paid In Full Discount Safe Drivers Safety Feature Discounts Student Discounts

Protect your personal automobile with auto insurance coverage from Collins Insurance. By offering a selection of optional coverages and discounts to fit your car insurance needs, our trained independent agents work with you on a personal level.  Contact us at (205)-987-5911 if you have questions about the various types of auto insurance coverage above or if you just want to see if you can save money on your current policy.  With over 60 years of experience in the insurance industry, our experts can help you select a policy that meets all of your coverage needs at a price you can afford.  You may use our Auto Insurance Quote Tool to get started as well! 

The Collins Insurance Agency has been serving the Alabama community since 1953!  We specialize in: 
•    Auto Insurance
•    Homeowners Insurance
•    Life Insurance
•    Business Insurance
•    Workers Compensation
•    Umbrella Liability Insurance
•    And Much More!
 
Contact us at (205)-987-5911 or stop by our office in Hoover to see how we can help you!