Auto insurance covers a range of incidents, including collisions, accidents, theft, vandalism, and damage caused by natural disasters. It typically includes liability coverage for injuries or property damage to others, as well as coverage for your own vehicle’s damage.

The coverage you need depends on factors like the value of your vehicle, your driving habits, and local legal requirements. Our experts at Unique Insurance Agency can help assess your needs and recommend the right coverage to ensure you’re fully protected.

Collision coverage pays for damage to your car from a crash, regardless of fault. Comprehensive coverage protects your car from other non-collision incidents, such as theft, vandalism, or natural disasters. Both coverages provide extensive protection for your vehicle.

To reduce your premiums, consider maintaining a clean driving record, opting for higher deductibles, bundling policies, and taking advantage of discounts such as safe driver or multi-vehicle discounts. We can help you find the best ways to lower your rates while maintaining solid coverage.

Yes, in most states, drivers are required to have some form of auto insurance, typically liability coverage. However, the exact requirements vary by state, so it’s important to know the laws in your area. Our agents can help ensure you’re compliant with your state’s insurance requirements.