What is Auto Insurance?

Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

What if I don't have car insurance?

In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact your local Insurance agent to find out what the specific requirements are in your state.

Beyond the Basics

Here's just a taste of what Your Auto Insurance from the Crutchfield Agency can deliver:
Accident Forgiveness: Helps keep your rates from going up just because of an accident. Even if it's your fault.
Safe Driving Bonus® Introducing the Safe Driving Bonus check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other Allstate discounts you qualify for.
Deductible RewardsSM You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement If your new car gets totaled within the first three model years, you can get a new car not just the depreciated value.

What Coverage Options Do You Need Most?

Liability Coverage
If you're at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
Collision Coverage
This option helps protect you from repair costs to your car if you're involved in a covered accident. Considering it's a covered loss (that's insurance-speak for an accident that's specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.
Comprehensive Coverage
This option helps protect your car in covered situations that don't necessarily involve other drivers or vehicles. If your car's damaged by a storm, vandalism, or passive object (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.