- 19201 108th Ave SE, Ste 201, Renton WA 98055
- r.singh@safegins.com
- (206) 607 8700
Personal Autos Insurance
Protect your vehicle with Safeguard. Get personal auto insurance that’s right for you!
Isn’t it obvious that if you’ve recently purchased or already own a beloved car, you’ll want it to be adequately protected? Personal auto insurance does it for you.
Services we Provide
Why do you need Personal Auto Insurance?
Before you start paying out of your own pocket, you should understand why you need auto insurance. In fact, it serves a purpose other than simply keeping you safe on the road. Here are the three main goals:
The first consideration when driving is liability. Under liability, insurance covers the costs of accident, death, vehicle damage, property damage, and legal fees.
Second, personal auto insurance protects you, your passengers, and your car by covering expenses such as medical payments, collision losses, and so on.
Finally, insurance assists you in complying with the law. Auto insurance is a requirement for safe driving and is required by law in 49 of the 50 states in the United States (New Hampshire being the exception with optional coverage).
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Compare and get the best coverage you need in the Right Way
While an estimate of an average premium can be useful, it should not be used as the sole decision- maker. An ideal comparison should be made based on coverage, deductible, car insurance discounts, and so on.
Safeguard’s experienced professionals will assist you in conducting such end-to-end comparisons.
You’re in the right hands!
Important points to keep in mind when buying a personal auto insurance
Buying insurance can be a daunting experience, so it is critical that you understand and keep the following considerations in mind before making a purchase decision. To find the best personal auto insurance, you must first determine how much coverage you require. State and type of insurance requirements may differ.
The types of coverages available to you are listed below:
01. Liability coverage
In most states, this is a legal requirement for driving a car. Liability insurance covers damages for bodily harm and property damage caused by an accident in which you are at fault. Property damage and bodily injury are covered under liability insurance.
02. Collision coverage
Collision coverage pays for repairs to your vehicle if it is hit by another vehicle. It may also contribute to the cost of repairs if you collide with another vehicle or object. That is, you can use it whether or not you are at fault. You are responsible for paying your selected deductible.
03. Comprehensive coverage
Comprehensive coverage assists in covering the cost of vehicle damage when you are involved in an accident that is not the result of a collision. Theft, vandalism, weather, and hitting an animal are all covered under comprehensive coverage.
04. Uninsured & underinsured motorist insurance
Uninsured motorist coverage is an optional addition to your car insurance policy. If you are injured in a car accident caused by an uninsured driver (a driver who does not have car insurance) or a hit-and-run driver, Uninsured Motorist coverage may help pay your expenses. Underinsured Motorist (UIM) coverage is also available if you are involved in an accident with a driver whose insurance policy limits are insufficient to cover your vehicle damage or bodily injury expenses.
05. Personal injury protection coverage
This aids in the payment of medical and non-medical expenses resulting from an accident, regardless of who is at fault.
06. MedPay
In the event of an accident while driving, medical payments cover any injuries sustained by the driver or passengers. Medical payment insurance policies differ by county, so make sure you’re properly covered. Certain medical expenses may be covered by this.
07. Roadside Assistance
Whether you have a flat tire or simply require a jump start, roadside assistance covers the following roadside emergencies:
- Towing to a nearby repair facility where repairs can be performed
- Jump starts the battery
- Change tires if you have a working spare tire
- If you lock your keys in your car, you can get a lockout service
- Fuel delivery to assist you in getting to a gas station or your destination
08. Gap insurance
Gap insurance is an optional car insurance policy that assists in the repayment of your auto loan if your vehicle is totalled or stolen and you owe more than the vehicle’s depreciated value. This type of coverage is available only if you are the original loan or leaseholder on a new vehicle. Gap insurance covers the difference between the depreciated value of your car and the amount you still owe on it.