You do not want to spend your entire afternoon comparing quotes from several auto insurance companies and that is where KADAIR Insurance comes in. We are auto insurance specialists who work with dozens of companies to find you the right combination of price and coverage that meets your needs yet leaves you protected.
Finding great car insurance does not have to be overwhelming! KADAIR Insurance representatives will compare quotes from many top-rated insurance companies to find the right policy for you. Before you spend hours researching companies and comparing quotes, gives us a call to do the comparison shopping for you!
Insurance can be confusing. To help you understand the quotes you receive -- and get the type of coverage you need -- here are standard coverage’s found in most auto insurance policies -- along with optional coverage’s you can select.
Collision coverage will cover expenses related to damage to your vehicle caused by an accident. Common accidents involve hitting another vehicle on the road or a stationary object, such as a tree. Collision insurance will also cover you if your vehicle is hit by someone else while it is parked. The deductible for collision insurance ranges from $0 to $1,000.
Comprehensive coverage will cover expenses related to damage to your vehicle caused by a storm, theft, animal damage, falling objects, vandalism or broken or shattered windshield or windows. There will be a deductible with comprehensive coverage, which means you pay out-of-pocket to repair your car. The deductible may be anywhere from $0 to $1,000.
CIf you are in an accident and the other driver is at fault, his or her car insurance should cover you. But what if the other driver does not have insurance, or is underinsured? In this case, uninsured motorist coverage protects you by covering injury-related medical expenses and the cost of repairing your vehicle. If the other driver has insufficient insurance, underinsured motorist coverage covers the difference between your total expenses and the driver's coverage to its limit.
If you or your passengers are injured in an accident, personal injury protection covers expenses related to your injury, including hospital and medical bills and expenses not covered by health insurance. Depending on where you live, this can serve as an excellent supplement to health insurance, as it may include:
This optional coverage reimburses you for the expense of renting a car while your car is in the shop for a covered loss.
Towing and labor coverage will cover you the expense of common roadside assistance services such as jump-starts, a tire change, fuel delivery, lockouts and towing. You can add towing and labor coverage to your auto insurance policy for additional coverage.
If there is a total loss on your vehicle, the actual cash value (ACV) payment may not be enough to pay off your lease or loan. With gap coverage, your car insurance policy will pay the additional funds necessary to end your contract.
This optional coverage pays for medical expenses of you, your family members and passengers in your car who are injured in a collision accident, or if you are struck as a pedestrian.
We love helping our customers save money on their car insurance. We shop several insurance companies to provide you with the best rates and coverage -- and the best discounts. Below are common discounts you may qualify for.