AUTO INSURANCE

For any sudden surprises we strive to make sure you are covered. With Ibanez Insurance Inc you get more than an auto policy, you get an independent agent who tailors coverage to you and your lifestyle to ensure the optimal coverage for you at a great price.

Many drivers are uncertain about what their auto insurance policy covers and what it does not. Ibanez Insurance Inc can help make sure you have and understand the type of coverage that fits your needs and your budget.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
• uninsured/underinsured bodily injury  cover you and the people in your car for medical bills, lost wages and pain and suffering if you're in an accident caused by someone who doesn't have insurance or enough insurance. 

If you're financing a car, your lender may  have specific requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?

It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)