Auto

You can get great auto insurance coverage that doesn’t break the budget. Briargate Insurance will 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.

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 options can I tailor on my auto insurance?

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

Liability Insurance
covers bodily injury and property damage to others
Collision Insurance
covers physical damage to your vehicle caused by accidents
Medical Payment Coverage
covers medical coverage for you and your passengers
Comprehensive Coverage
covers physical damage to your vehicle caused by theft, vandalism, hail and falling objects
Uninsured/Underinsured Motorist Coverage
covers medical expenses, pain and suffering and loss of wages for you if you’re in an accident with someone that does not have insurance or very low amounts of coverage
Additional Coverage Options
enhance standard policies with coverage for towing and labor, car rental loan/lease coverage and more.
Deductible
includes the amount you on a claim before insurance takes over and can be tailored to lower premium amounts

When would I choose just liability auto insurance?

Liability only insurance usually has the lowest premiums. It’s also the minimum amount of car insurance most states require. But there is a reason this is the most cost-effective option for car insurance. If you’re at fault in an accident, liability insurance only pays for bodily injury 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’s your dime, too. Briargate Insurance recommends liability only insurance if you own your vehicle and can easily replace or repair it with money you have saved.

What does collision auto insurance cover?

Collision insurance covers damage to your vehicle should you be in an accident. Heads up: if your vehicle is leased or you have a loan from a bank, you will likely be required to carry this level of coverage. In most cases, this insurance is smart to have. But there may come a time 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, your driving record, and how much you are paying for insurance.

Is there a full coverage auto insurance plan?

Many people talk about comprehensive auto insurance as a “full coverage” plan. In reality, there is no such thing as a full coverage plan. Comprehensive coverage is an add-on. But it still doesn’t cover everything. Comprehensive insurance does pick up the expenses in a few situations that liability and collision insurance won’t though. 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.

How do I get price and coverage on auto insurance?

Briargate Insurance will talk with you about what you’re looking for, then shop our network of top-rated insurance carriers to find the best auto insurance plan for you. We also review your policy annually, making sure you are getting the best price and best company for your needs.