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Liability insurance

This insurance is required by law throughout Canada. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you’ll want enough insurance to cover a judgment against you in a major accident so that your personal assets won’t be put at risk.

Emergency road service

ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you’re out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.

Comprehensive insurance

This type of auto insurance covers damages resulting from incidents that aren’t related to car accidents or collisions. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.

Collision insurance

Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.

Uninsured motorist coverage

Covers costs related to your injury or death after an accident caused by another driver who’s either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicleif the uninsured driver is also identified.

Direct compensation property damage

Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren’t entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.

All-perils insurance

Provides protection for you against all types of perils except those specifically excluded from your policy.

Accidents benefits coverage

Provides you with medical care and income replacement benefits if you’re injured in a car accident.

No-fault insurance

Deal with your own insurer regardless of who’s at fault in an accident. With no-fault insurance, you don’t have to pursue the other driver’s insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.

Specified perils

This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occurring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.

Car Insurance Progressive Rate Discounts: Safe Driver

Progressive auto insurance offers numerous rate discounts to their customers. One of the largest Progressive savings is their safe driver discount program which offers drivers a lower rate if they have had no accidents and no tickets in the past three years. Progressive touts this discount as being the highest with an average exceeding 30%.

Progressive Multi-Car Insurance Discounts

Progressive car and truck insurance policies also offer an automatic multi-car policy discount which allows customers to combine an insurance policy with virtually anyone who resides in the household. The average insurance savings is 10% nationally based on customers surveyed in the past 2 years.

Progressive Automotive Snapshot Discount Program

As shown above, safe driver discounts are often substantial and those who choose to use the Snapshot Program can save even more. The Snapshot program allows Progressive to issue a personal rate that saves customers an average of $130 annually, considering national data. Progressive tracks the way you drive by using an app or a plug-in device. It even offers tips for safer driving to boost your safe driver score. Some things to keep in mind are limiting hard braking and rapid acceleration, refraining from driving from 12:00 a.m. to 4:00 a.m., which are the most dangerous times to drive.

Other Progressive Car Insurance Discounts

Progressive rewards students as well with their Good Student insurance discount. These are just a few of the many discounts offered to drivers by Progressive automotive insurance. Discounts are applied by our agents as you go through the quoting process. It only takes a few minutes to receive a detailed quote for your car or truck from Montgomery & Associates Insurance & Financial Services. In true Progressive form, our company’s agents also share quotes from Progressive’s competitive carriers to offer you the best coverage at the best rate.

Nashville Auto Insurance from Progressive

With a rich history going back all the way to the 1930’s Progressive Insurance founders were pioneers in the auto insurance industry. The carrier was one of the very first car insurance
providers to offer drive through claims and flexible payments as opposed to insisting that the full year’s premium be paid up front in full. Progressive insurance understands and promotes the fact that they may not always be able to offer the lowest Nashville car insurance quote but they do provide all the information up front to their customers to allow them to make an informed decision based not only on price but on quality as well.

Montgomery & Associates Insurance & Financial Services is an authorized Progressive Insurance agency. We are happy to offer free Progressive car insurance quotes and compare them alongside our other carriers in the Nashville and entire Middle Tennessee area.

Comprehensive and Collision Car Insurance Coverage

If your car is not insured and involved in an accident, you might have to pay to rent a car or cover repairs yourself. Comprehensive and Collision coverage as part of your car insurance policy is a much better value because, even if you’re not involved in an accident, you can still be protected against theft, fire, vandalism and windshield damage. Want to reduce your monthly auto insurance payment? Choose a higher deductible.

Uninsured or Underinsured Motorist Car Insurance Coverage

You obviously feel responsible for having auto insurance; unfortunately, not everyone does. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this car insurance policy so you can make sure you get back on the road-and back to work-quickly.

Additional Auto Insurance Coverage Options

This coverage allows you to rent a car while your vehicle is being repaired.

This is the coverage you should have if you ever rent a vehicle while traveling. It saves you paying the rental car company insurance rates, which are usually per day. The coverage is good anywhere in Canada and the continental U.S.  For more details, make sure you ask your broker before your trip!

You have earned a good driving record. We want to see you keep it. Claims forgiveness allows you to protect

This coverage will waive depreciation on your vehicle, usually for 24 months. This means that if your new car is in an accident a year after you buy it, you can replace it with a new vehicle.

The State of New York is what they call a No-Fault state and all that means is no matter who is at fault, in the accident, your policy pays your medical bills and their policy pays their medical bills.

So with that being said, NY Auto Insurance is meant to protect you in the event that you cause injury or damage to others due to an auto accident. When you’re shopping for car insurance, there are several options to choose from—the most important is making sure the coverage that you purchase meets your needs. After all you are protecting your life and your investments, along with your loved ones around you.

Here is a basic overview of car insurance.

Liability Coverage is the number one most important coverage. If you cause an accident, injure someone or damage their property, this coverage is what will pay up to the limits you’ve selected. This coverage will also defend you if a lawsuit results due to an auto accident.

Comprehensive Coverage also referred to as Other than collision gives you coverage for missiles, falling objects, fire, theft, vandalism, riot, civil commotion, contact with bird or animal and we all know about the deer in NY state & breakage of glass…all too well.

Collision Coverage is for damage to your vehicle caused by hitting another car or object, your vehicle is hit by another car or if your vehicle rolls over.

If you have a loan on your vehicle most banks require you carry Comprehensive & Collision Coverage until the loan has been satisfied.

Medical Payments help pay for small injuries to anyone in your vehicle regardless of who is at fault in the accident.

Uninsured/Underinsured Motorist Coverage will help pay for damages and medical expenses if you’re hit by someone with no insurance or lower limits of liability than you carry.

Personal Injury Protection (PIP) which in the state of New York is referred to as No-Fault Coverage. This pays for medical expenses and sometimes lost wages no matter who is at fault in the accident.

Understanding NY Car Insurance is a daunting task and having a local agent that can explain the coverage is very helpful. We at Gates-Cole Insurance pride ourselves in case-by-case customer service and being able to assist our clients in purchasing the protection they need.