What is auto insurance?
Auto insurance protects you against financial loss in the event of an accident or the theft of your vehicle. Policies are typically priced individually, allowing you to customize the coverage types and amounts you want to meet your specific needs and budget.
Our expertise and strategy.
At Christensen Group, we leverage our expertise as independent auto insurance agents to provide you with the right auto insurance strategies and products. These may include:
Property damage liability
This type of coverage is mandatory in all states as it helps reimburse others for damage you (or the driver of your car) caused to another vehicle or property, such as a building, fence, or utility pole.
Bodily injury liability
This is the other form of mandatory automotive coverage, which helps cover the costs associated with injuries or death in situations where you or the driver of your vehicle are found to be at fault.
This form of coverage financially reimburses you for damage to your own vehicle as a result of a collision. This can either be with another vehicle or a stationary object such as a tree, building, or guardrail.
Comprehensive coverage protects your vehicle from any non-collision-related event, such as theft, vandalism, fire, flood, hail, or any other falling objects that may cause significant damage.
Personal injury protection
PIP is required in some states and provides reimbursement for medical payments, lost wages, and other related expenses as a result of a vehicle-related injury to you or your passengers.
Uninsured motorist coverage
This type of coverage is optional in most states but is great to have as it protects you from accidents involving uninsured drivers and any hit-and-run situations.
Who should get auto insurance?
Anyone who owns a vehicle
If you're buying a vehicle for the first time, you'll need to purchase auto insurance before driving the new or used car off the lot. If you already have insurance on a previous vehicle, you should call your insurer right away so they can add the new car to your policy.
Anyone leasing or financing a vehicle
Even though you don't technically own your vehicle, you'll still need to purchase auto insurance before you can leave the dealership. The amount of coverage you need will depend on your state's requirements as well as any additional coverages your lessor requires.
Anyone who operates a work vehicle
While your employer is required to obtain an automotive insurance policy on all company vehicles, you may want to purchase a separate policy to better protect yourself in the case of an accident, especially if you regularly drive a company car.
Anyone who frequently drives
If you don't own a vehicle but regularly rent cars, you can obtain liability and any additional coverage from the rental car company. If you live with someone who owns a car and you like to borrow it from time to time, it may be a good idea to get added to the owner's policy.
How we approach auto insurance.
We want to get to know you, to find out what you need protecting, and where you have exposure.
We'll present you with all the options and help guide you in the right direction.
Not all carriers are created equally. Fortunately, we know who's good at what.
Buying a new car? Adding a new driver? We're always here to help with any policy changes.