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AUTO INSURANCE
With insurance companies raising rates every renewal we know how important it is to have the ability to shop for the correct auto insurance that is fit for you and your family. You work too hard for your money, we are here to make it easy, effective, and efficient. With just a few pieces of information we can get you connected directly with a licensed insurance agent.
REASONS TO USE US TO SHOP FOR AUTO INSURANCE
Personalized Service: Working with expert licensed agents means you can receive tailored guidance and recommendations based on your specific needs and circumstances. This personalized approach ensures that you get the coverage that's right for you.
Efficiency: Insurance Bully aims to provide fast and reliable quotes, saving you time and effort in the insurance shopping process. By streamlining the process, they help you quickly obtain the information you need to make informed decisions.
Customized Coverage: By offering completely customized quotes, Insurance Bully ensures that your coverage aligns perfectly with your needs. This means you won't end up paying for unnecessary coverage or finding yourself underinsured in the event of a claim.
Expertise: Working with licensed agents means you have access to expertise and industry knowledge. Whether you have questions about coverage options, policy terms, or claims processes, their agents can provide the guidance you need.
Peace of Mind: With Insurance Bully's personalized, easy, and effective service, you can have confidence that you're getting the right coverage for your home and belongings. This peace of mind is invaluable when it comes to protecting your most important assets.
FACTORS TO CONSIDER WHEN SHOPPING FOR AUTO INSURANCE
COMPREHENSIVE & COLLISSION COVERAGE
Comprehensive Deductible: This deductible applies to damages to your vehicle that result from incidents other than collisions with another vehicle or object. Comprehensive coverage typically protects against things like theft, vandalism, fire, hail, floods, and other non-collision-related damages.
Collision Deductible: Collision deductible applies when your vehicle collides with another vehicle or object, regardless of fault. It covers damages to your vehicle resulting from collisions with another car, hitting an object like a tree or a pole, or if your car rolls over.
TOWING & ROADSIDE ASSISTANCE
Towing: If your vehicle breaks down and needs to be towed to a repair shop, this coverage will typically reimburse you for the cost of towing up to a certain limit.
Roadside Assistance: This can include services such as jump-starting a dead battery, changing a flat tire, delivering fuel if you run out, unlocking your vehicle if you're locked out, and minor repairs to help get your vehicle running again.
UNINSURED & UNDERINSURED COVERAGE
Uninsured Motorist (UM) Coverage
If you're in an accident caused by a driver who doesn't have any insurance coverage, UM coverage can help pay for your medical expenses, lost wages, and possibly other damages.
UM coverage may also apply in hit-and-run accidents where the at-fault driver cannot be identified
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​Underinsured Motorist (UIM) Coverage:
If you're in an accident caused by a driver whose insurance coverage limits are insufficient to cover your damages, UIM coverage can help make up the difference.
Ex: if the at-fault driver's insurance policy only covers $30,000 in damages, but your expenses total $50,000, your UIM coverage could help pay the remaining $20,000.
TYPES OF DISCOUNTS
Safe Driver Discount: Offered to drivers with a clean driving record free of accidents and traffic violations within a specified period, typically three to five years.
Good Student Discount: Available to full-time students who maintain a high GPA (usually a B average or higher) or are listed on the honor roll. This discount recognizes responsible academic performance.
Multi-Vehicle Discount: Applies when you insure multiple vehicles under the same policy. Insurance companies often offer discounted rates for insuring more than one vehicle.
Multi-Policy Discount: Given when you purchase multiple insurance policies from the same provider, such as auto and homeowners insurance. Bundling policies can lead to significant savings.
Safety Feature Discount: Rewards policyholders for equipping their vehicles with safety features such as anti-lock brakes, airbags, anti-theft devices, and electronic stability control.
Low Mileage Discount: Available to drivers who drive fewer miles than the average motorist. Insurance companies may offer discounts to individuals who use their vehicles sparingly.
Defensive Driving Course Discount: Offered to drivers who complete an approved defensive driving course. These courses provide valuable driving skills and knowledge, which can lead to safer driving habits and lower insurance premiums.