Car accidents are stressful enough which is why you shouldn’t have to worry about insurance. Torian Insurance is an independent insurance agency with a variety of car insurance policies to fit your individual needs and budget.
Pretty much every state has a minimum amount of car insurance that is legally required. Car insurance protects you financially in case you are ever involved in an accident. In exchange for paying a premium, auto insurance will cover expenses related to property damage, liability, and medical expenses following a car accident.
Car insurance policies are customizable and you only pay for the amount of coverage you need. Working with an independent insurance agency can help you determine the right amount of coverage.
While no one likes to think about the possibility of being in an accident, it’s important to be prepared in case it does happen.
You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.
Car insurance is an important form of financial protection for vehicle owners. It helps to protect car owners from costly repairs and medical bills in the event of an accident or other disaster. Car insurance provides coverage for physical damage caused by a car accident, as well as legal liability if someone gets injured or killed due to an accident you caused.
Auto insurance is critically important because:
1.) It’s required by law
2.) It protects you financially if you are in an accident
3.) Provides peace of mind knowing you are covered.
4.) Owning and driving a vehicle puts you at additional risks
Some scenarios that car insurance is needed are:
Car insurance can help cover the costs of medical bills, vehicle repairs and even some legal expenses if you are ever involved in an accident.
The most commonly required car insurance coverages are:
Other common types of auto insurance coverage include:
Liability insurance covers injuries and damages to others caused by an accident you are liable for.
Full coverage typically includes collision and comprehensive car insurance. Full coverage not only pays for damages and injuries of others but also will pay for your own damages in an accident and even damage from non collision events like hail.
Before you get a quote on car insurance, it is important to have the following information ready:
To accurately compare car insurance quotes you should make sure the coverage, limits and deductibles are the same.
Working with an independent insurance agency gives you quick access to numerous car insurance providers and quotes. Insurance agencies will help you compare quotes and choose the right policy that fits your needs.
Car insurance costs are dependent on several factors such as:
Make sure you ask about car insurance discounts. There are often discounts for the following: