Auto Insurance

Protect your vehicle with a comprehensive Auto Insurance Plan

Auto Insurance

Accidents happen but knowing that you are adequately insured can bring you security and peace of mind.

  • Do you know the limits of insurance on your auto policy?
  • Do you understand the coverages that you have on your auto policy?
  • Do you know if you have comprehensive & collision coverage or only liability?
  • When was the last time you shopped your auto insurance rate?

Our team is dedicated to helping you understand your policy limits and coverages. We take time to customize your auto insurance policy and help you find the right amount of insurance that will fit your needs.

At Prestige Insurance you can count on the reliable insurance professionals who will keep your policy up to date. An annual review of your insurance policy, personal contact, availability, proper protection and peace of mind are just a few things that we have to offer to our policyholders.

Prestige Insurance represents the following auto insurance companies:

  • Travelers
  • Nationwide
  • Safeco
  • All State
  • Foremost
  • German American
  •  Bristol West
  • Kemper

We have some of the lowest prices in the DMV and can get you the best auto insurance rates, whether you have a clean driving record or you need an SR-22/FR-19 filing, we’ve got you covered. Don’t hesitate to call Prestige Insurance for a free no-obligation quote and a policy review: (254)340-4633

Normally liability coverage comes with:

  • Bodily Injury
  • Property Damage Liability
  •  Uninsured/Underinsured Motorists Coverage

If you choose to go with full coverage, generally, you will have: 

  • Bodily Injury & Property Damage Liability
  • Uninsured/Underinsured Motorists Coverage
  • Comprehensive and Collision Coverages
  • The options to add the Towing and Rental Car Coverage

You can add the Medical Payments/Personal Injury coverage to either the liability or the full coverage package.

Bodily Injury Liability

Pays for the medical bills of others that result out of an accident where you are at fault.

Property Damage Liability

Will pay for the damages that you can cause to the property of others (repairs of the vehicle(s) that you damaged in an accident).

Medical Payments or Personal Injury Protection

Coverage pays for your medical bills and the medical bills of your passenger(s) if you are at fault in an accident.

Uninsured/Underinsured Motorists Bodily Injury Liability

Will pay for your injuries and the injuries of your passenger(s) if you are hit by a driver who has no insurance, not enough coverage or if the other vehicle flees the scene of an accident.

Uninsured/Underinsured Motorists Property Damage Liability

Will pay for the damages to your vehicle caused by a driver with no insurance, not enough coverage or if you have a hit-and-run.

Comprehensive Coverage

Also called Other Than Collision, will cover your vehicle while it’s parked, or if you have an accident with a bird or an animal. A windshield claim will also be covered under the Comprehensive coverage.

Collision Coverage

Will protect your car if you have an accident and hit the other vehicle(s), or an object, such as a lamp post.

Towing

Coverage can be used when you need to get your car towed as a result of an accident, breakdown or a flat tire. Normally, you can call any towing company and then send the bill to your insurance agent/company for reimbursement.

Check with your agent for the specific coverage details of your policy. Some companies provide you with the full Roadside Assistance, which will also pay for your expenses associated with a locked key or if you needed to call a service to start-up your vehicle.

Rental Car

Coverage will pay for your expenses when you have a covered auto insurance claim and need to get a rental car while your vehicle is being repaired. There is either a daily and/or a per claim limit with this coverage. Normally, when you are renting a vehicle for pleasure use, the limits of liability, as well as the comprehensive and collision coverages, will transfer over to the rental vehicle from your auto policy.

This does depend on your insurance company, so please check with your insurance agent. If you have full coverage, the liability and the comprehensive and collision coverages will transfer over to the rental car. However, if you have only liability coverage, only the liability limits will carry over, so the rental vehicle will not be fully covered by your policy if it is damaged or stolen.

Auto Insurance Discounts

Some of the available auto insurance discounts include:

  • Multi-vehicle discount
  • Multi-policy discount
  • Anti-theft devices discount
  • Passive restraints discount
  • Anti-lock discount
  • Age 55 or over discount
  • First accident forgiveness
  • Reduced usage discount
  • Pay in full discount
  • Safe driver discount
  • Driver training discount
  • Advance quote discount.

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