Auto & Car Insurance

Collision Coverage

Damage to your vehicle that results from a collision with another vehicle or object can be covered under this plan.

Comprehensive Coverage

Comprehensive coverage can cover the things that collision coverage does not such as theft, fire, falling objects, vandalism, contact with animals, weather damage, and windshield cracks.

Uninsured & Underinsured

If an accident occurs with a driver who is uninsured or underinsured you may be reimbursed for the cost of the accident.

More About Auto Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit for you, within those companies.

Factors for Auto Insurance Premiums

The following factors can affect your auto insurance premium:

Location

The location where you live and garage your vehicle, whether in a large city or a small rural community, impacts your insurance premium.

Claim History

The number and type of losses in the past play a role in your auto insurance premium. Most companies rate you off of losses from the past 3 years.

Personal Factors

Your auto insurance rate is influenced by factors like credit score, financial stability, age, marital status, driving record, and young drivers at home.

Coverages for Auto Insurance Policies

The following are coverages that are included on your auto policy, or are optional coverages that may be added.

Bodily Injury

Bodily injury liability provides coverage in case you cause an auto accident in which another person is hurt. It covers the damages that you’re legally responsible for, and provides a legal defense if someone sues you for damages. Bodily injury coverage is mandatory in most states, and most states have a minimum limit, so be sure to check your state’s insurance requirements.

Property Damage

Property Damage covers you if your car damages someone else’s property. Usually this means damage to someone else’s car, but it could be any property.

Levels of Coverage:

Basic Coverage

The Basic Form policy is the least comprehensive of the three coverage options. It is usually offered by carriers when the property is not in good condition, is under remodel, vacant or is old and without wiring, plumbing or heating updates.

Broad Coverage