Auto

You can get great auto insurance coverage that doesn’t break the budget with Briargate Insurance. We will talk to you about what you’re looking for, then tap into our network of top-rated insurance carriers to find the auto insurance plan that works best for you — including your desired deductible and premiums. That’s the advantage of doing business with a “Trusted Choice” independent agency! We also review your policy annually, making sure you are getting the best price and best company for your needs.

How can I save on my auto insurance?

Saving money on auto insurance is a top goal for many. But price isn’t the only thing you should consider. When selecting your auto insurance plan, you have to weigh how premium costs, out-of-pocket deductibles and different coverage options will affect or benefit you should something happen.

What auto insurance options can I tailor to my needs?

Some of the auto insurance coverage options you can choose and tailor to your preferences include:

Options relating to physical damage
Collision Insurance Covers physical damage to your vehicle caused by accidents
Comprehensive Coverage Covers physical damage to your vehicle caused by theft, vandalism, hail and falling objects
Options relating to liability
Liability Insurance Covers bodily injury and property damage to others
Medical Payment Coverage Covers medical coverage for you and your passengers
Uninsured/Underinsured Motorist Coverage Covers medical expenses, pain and suffering and loss of wages for you if you’re in an accident with someone who does not have insurance or has very low amounts of coverage. The coverage only protects you if the other party is at fault.
Additional Coverage Options

Enhance standard policies with coverage for towing and labor, car rental loan/lease coverage and more.

What does collision auto insurance cover?

Collision insurance covers damage to your vehicle should you be in an accident. In most cases, this insurance is smart to have. But there may come a time, based on the age and make/model of your vehicle, when it makes sense to drop collision coverage from your policy. Briargate Insurance will help you determine if this option is viable for you by looking at the resale value of your auto and the cost of maintaining physical damage coverage. If your vehicle is leased or you have a loan from a bank, you will likely be required to carry this level of coverage.

What is included in comprehensive auto insurance?

Comprehensive coverage is an add-on that picks up the expenses in a few situations that liability and collision insurance won’t. That can include paying for damages to your vehicle caused by theft, vandalism, hail and falling objects. Again, if your vehicle is leased or financed, your bank will likely require you to add this option to your policy.

Is collectible auto insurance different than standard auto insurance?

Collectible auto insurance is in a special category of insurance. That’s good news for you because you get some extra perks and often a 40% savings on premiums with classic car insurance. Learn more about this specialty coverage and how Briargate can help find the right collectible vehicle insurance for you.

Is liability-only auto insurance ever a good idea?

There are certainly times when having only liability insurance on a vehicle makes sense. Perhaps you have an old truck you use occasionally for hauling around home improvement supplies. If you’re at fault in an accident, liability insurance only pays for bodily injury and/or property damage to others. That means any damage to your vehicle comes out of your pocket. And if your claim goes over your policy limit, that is at your expense. Briargate Insurance recommends you think carefully about the amount of liability insurance you chose. Talk to us about making the right insurance choice.