Personal Auto Insurance

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Auto Insurance is more than just protection for your car. It’s protection for you and your family. The right auto insurance can help get you back on the road while your car is being repaired or replaced, so you do not have to worry about how you will get to work or who will drop your kids off at school. It protects against the expenses of property damage and medical bills if you get in an accident. The right coverage can even help cover the costs for damage from vandalism, theft, or fire.

Coverage Types:

Liability – In case of an accident, this helps cover costs of property damage and bodily injury you may have caused others.

Uninsured/Underinsured Motorist – Should you get in an accident in which the other driver is liable, this coverage helps to pay for bodily injury expenses in case the liability limits on their policy cannot cover the total costs or if the other driver is uninsured.

Medical – This coverage helps cover the costs of medical expenses for you and passengers in your car should an accident or incident occur.

Comprehensive – For those times when damage occurs to your car due to vandalism, fire, acts of God, theft, glass damage, or accident involving a deer, comprehensive coverage can help cover the costs of repair or replacement.

Collision – If your car is damaged in an accident, collision coverage can help cover the costs of repair or replacement.

Rental – If your car is being repaired or replaced, this coverage reimburses you for rental car expenses up to the chosen limit.

Roadside Assistance – In case of a flat tire or breakdown, this can help pay for expenses incurred through towing or labor.

Specialty Coverage
We have insurance providers that offer specialty coverage for your vehicle, such as: classic car and antique automobiles.

SR-22 Filings
If the state of Idaho requires that you have an SR-22 Filing on your insurance, we specialize in these types of policies and have several insurance providers we can quote you with to find you a competitive rate.

Discounts:

Good Driver Discount – Many carriers will reward you if you haven’t had accidents or citations in the past 35 months or 5 years depending on the carrier.

Homeowners – If you own your home, you could be eligible for the homeowner’s discount .

Good Grades – If you or your child is a student, insurance providers may reward you with a discount on you policy if you provide proof of good grades showing at least a B average.

Multi-policy Discount – Many of the insurance providers we quote with will give discounts to your policies if they insure more than just your car. If calling for a car quote, let us know if you own a home, rent, or have a motorcycle. We can quote these too to see if we can save you more.

At Access First Insurance we know the importance of protecting your car. We will make sure you have the right coverage. Call us today for your free, no obligation quote and see how much money we can save you. Please contact us right away.