Personal Auto Insurance Options 
to Fit Your Needs

When you drive a vehicle, you are making a commitment to not just yourself, but everyone on the road that you will drive safely and follow traffic laws and regulations. You are also making a commitment to be insured in the event of an accident for which you are found at fault. Many states require personal auto insurance for that reason, but what is personal auto insurance?

Personal Auto Insurance is a type of auto insurance policy that helps protect you from a variety of financial and legal consequences related to your personal vehicle. There are a range of different coverage options available, and many policies can be customized to fit your driving needs. Even if you are just looking to carry what your state requires, there are available options.

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What coverages should I consider?

It can be difficult to determine exactly what kind of coverage you need, and one of our qualified auto insurance agents can help you find a policy that suits your exact needs, but these are a few of the most popular coverage types.

  • Liability: This is the most common personal auto insurance coverage because it is frequently state required. Liability insurance helps protect other drivers on the road in accidents for which you are found at fault. In the event of these covered accidents, your insurance company will help cover damages to the other individual or their property. Liability insurance will not cover damage sustained to you or to your property. There are two different types of liability insurance coverage:
    • Property: This type of coverage can help cover repairs to another individual’s property from an accident you cause. This can include repairs for items from their vehicle to their mailbox.
    • Bodily Injury: This type of coverage can help cover costs associated with another individual’s physical injuries sustained in an accident you cause. This can include assistance with doctor’s visits, hospital stays, and physical therapy appointments.
  • Collision: This insurance can help pay for damages sustained to your vehicle from a covered accident with another vehicle or object. This insurance will generally carry deductibles and limits.
  • Comprehensive: This type of coverage can help cover damage to your vehicle that is not related to a collision. Depending on your policy, this can include instances like theft, vandalism, fire, animal accidents (i.e. hitting a deer), and natural disaster damage. Comprehensive insurance policies will also be subject to a deductible and will likely have limitations.
  • Uninsured/Underinsured motorist: This is one of the most impactful coverage types available. If you are involved in a vehicle collision that you are not at fault for, the other driver’s insurance will generally help cover your damages. If that driver is not carrying a valid insurance policy or their insurance policy is not adequate, however, you will likely be responsible for covering those damages out of pocket unless you are carrying this type of coverage. Uninsured/Underinsured motorist coverage can help pay for damages caused by a driver who either is not carrying insurance or is carrying an insufficient insurance policy. It can also help pay for medical bills from injuries associated with the accident.

Are there any discounts available?

Insurance can be expensive, and many companies will offer discounts to help offset some of these costs. Infinity Insurance Agency, Inc. offers a variety of discounts depending on your circumstances, and our agents are trained to help you determine exactly what you qualify for. You may be eligible for discounts if you are carrying multiple policies, pay your policy in full, have a covered teen driver who is a good student, and more!




Infinity Insurance Agency makes it easy to get a free car insurance quote online or by calling 1-855-478-3705. You'll be able to customize your car insurance coverage during the quote process so you can find a rate that will protect your vehicle and fit your budget. A few things you'll want to gather ahead of time to complete the quote are: ­

1 Driver

We will want to know who will be insured to drive your car(s), so you may want to gather the information (name, birthdate, license number, etc.) for each driver ahead of time.

2 Car Info

Find out the year, make, and model or the VIN number of the vehicle(s) you want to insure.

3 Insurance

Make sure you have on-hand information about your most recent insurer.


How do I know what insurance my state requires?

This information can be found on your state’s Department of Motor Vehicles website and will likely differ from state to state. Our qualified car insurance agents can also help you determine what your state requires and find a policy that works for you.

Can I add my teenager to my policy?

Absolutely! Once your child reaches their driving age, call one of our auto insurance agents to learn how to add them to your existing policy!

How much will my insurance cost?

Personal auto insurance costs can depend on a variety of factors such as location, driving history, and the value of the vehicle. We can help you find a policy that works within your budget but still carries all the features you need!

How often do I pay my insurance bill?

Depending on your policy, you can pay monthly, or you can pay the year in full when you purchase. There is typically a discount associated with paying the year in full!

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