Auto Insurance

Auto insurance policy

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.

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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!

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Understanding Auto Insurance Coverage

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.

 

Bodily Injury Liability

Bodily Injury Liability

If an accident is your fault, bodily injury liability will cover expenses related to the death or injury of a pedestrian or other driver.

Property Damage Liability

Property Damage Liability

If you are at-fault for an accident, property damage liability covers expenses related to damage of a third party's property, including a home, building, or vehicle.

Collision

Collision

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

Comprehensive

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.

Uninsured & Underinsured Motorist

Uninsured & Underinsured Motorist

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.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP)

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:

  • Child care expenses during recovery
  • Loss of services
  • Income continuation
  • Funeral expenses
Rental Car Reimbursement

Rental Car Reimbursement

This optional coverage reimburses you for the expense of renting a car while your car is in the shop for a covered loss.

Towing

Towing

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.

Loan/Lease Gap Coverage

Loan/Lease Gap 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.

Medical Expenses

Medical Expenses

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.

Auto Insurance Discounts

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.

  • Multiple cars. The more vehicles on a single policy, the more money you save. You can save up to 15% by insuring 2 or more vehicles.
  • Good driver. You can get a discount of up to 20% off your car insurance premium by qualifying for the good driver discount.
  • Anti-theft device. Install an anti-theft device and save up to 2% on your premium.
  • Good student. Full-time students who maintain a B average can save up to 15%.
  • Multiple policy discounts. Combine auto and home insurance (or other policies) to get a discount of up to 15% off of both policies.
Car insurance quote
  • Mature driver discount. Drivers aged 55 and older who complete an approved driver safety course can get a discount of up to 5%.
  • Group insurance discounts. We offer special discounts for medical doctors, lawyers, teachers and more, with savings of up to 15%.
  • New car discount. You can save up to 30% if you are the first owner of your vehicle or if the vehicle is less than 2 years old.