Available Plans



Please take a look at the plans and contact us to avail the plan of your choice.

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Collision Coverage

          Collision coverage pays to fix or a replace a car that's been damaged in a collision with another object, or if it rolls over.

How It Works

          In a covered accident, collision coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using, but aren't owned by anyone in your household. Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits.

What Collision Coverage Doesn't Cover

          Damage from sources like these aren't covered by collision insurance: 1) Theft 2) Falling or flying objects 3) Flood 4) Hail 5) Fire 6) Hitting or being hit by an animal 7) Natural disasters 8) Storms 9) Vandalism

  
Comprehensive Coverage

          Comprehensive coverage pays to repair or replace a covered vehicle that's stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism and hitting an animal is covered.

How It Works

          In a covered accident, comprehensive coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using but aren't owned by anyone in your household. Comprehensive insurance is limited to the actual cash value of the vehicle, and may or may not have a deductible, which is the amount you'll need to pay before receiving benefits.

What Collision Coverage Doesn't Cover

          Collisions with other vehicles or objects (trees, buildings, etc.) Injuries or fatalities

  
Liability Coverage

          Liability car insurance is required by 49 out of 50 states and the District of Columbia. But like a lot of drivers, you may not know what it is, how it protects you, or how much you need. AutoIns® is here to help. Liability car inssurance coverage is insurance that pays other parties when they're hurt or their property is damaged in an accident and the insured is at-fault. If you are sued, it also helps pay your defense and court costs. And while drivers must have liability car insurance with minimum required limits in almost every state, it's often a good idea for drivers to purchase more coverage than the law requires.

How It Works

          Let's say you were distracted while backing out of a parking space and didn't see the car behind you. You hit the other car, slightly injuring the driver and her passenger. After the impact, one of the two cars rolls into a nearby fence. In this case, you'd be considered "at-fault," and your auto liability insurance would pay damages for the bodily injury to others. These damages include medical expenses, pain and suffering, and lost wages. Your liability insurance would also pay to repair the damage to the other car and for damage to the fence.

What Collision Coverage Doesn't Cover

          If you're responsible for an accident, your liability coverage won't pay to repair damage done to your vehicle or for any injuries you may have received.

  
Car Rental and Travel Expenses Coverage

          If your car is in the repair shop because of damage that's covered by your comprehensive or collision insurance, car rental reimbursement will help pay the cost to rent a car you can use to get to work, to school, or for other day-to-day activities. If you rent from a company in our network, we'll pay them directly. If not, you'll need to pay the rental fees to start with, but we'll reimburse you. Travel expenses coverage pays for meals, lodging and transportation if your vehicle is disabled in an incident covered by your comprehensive or collision insurance more than 50 miles from your home.

How It Works

          Car Rental Expense - pays up to the amount you specify in your policy, when you or a relative who lives with you rents a car while your car isn't drivable because of damage that would be payable under your comprehensive or collision coverage.
          Travel Expenses - pays for meals, lodging, and transportation home or to your destination - up to $500 for all covered individuals - if your car isn't drivable because of damage done more than 50 miles from home that's covered by your comprehensive or collision insurance. A return trip to pick up your car is also covered. Rental Car - Repayment of Deductible Expense - pays up to $500 for the deductible if you have an accident in a rental car.

What Collision Coverage Doesn't Cover

          If your vehicle is disabled in an incident that isn't covered by either your comprehensive or collision insurance. Rental car and travel expenses that go above your policy's limits.

  
Medical Payments Coverage

          Medical payments coverage helps pay medical and funeral expenses when a covered person - the policyholder, passengers, or a member of the policyholder's family - is hurt in an auto accident, no matter who is responsible.
For example, if you're hurt in a motor vehicle accident while riding in someone else's vehicle, using public transportation, or even walking across the street, medical payments coverage will help pay your medical expenses.

How It Works

          Here are some examples when medical payments coverage will help pay for medical or funeral expenses caused by an auto accident: You're hurt when you accidentally hit another car while driving through a parking lot Your spouse is injured when she's hit by a car while walking across the street Your child is hurt when she's in an accident while a passenger in her friend's car One of your passengers complains of neck pain after the car you're driving is rear-ended by another vehicle

What Collision Coverage Doesn't Cover

          Injuries in excess of your policy's coverage amount Damage done to vehicles or other property

  
Emergency Road Service Coverage

          It's a fact of life. Vehicles break down sometimes. And when they do, wherever you are - at home, out shopping, on the road, or anywhere else - it's a major hassle.
          To make this hassle a little less major, AutoIns® offers Emergency Road Service coverage. With Emergency Road Service, we'll pay for the common, reasonable expenses you need to get your covered vehicle back in service.

How It Works

          If you have Emergency Road Service coverage and your vehicle breaks down or becomes disabled, call our customer service. We'll pay for reasonable, emergency services including:
1) Mechanical labor at the breakdown site (up to one hour).
2) Towing to the nearest repair location.
3) Towing if the covered car is stuck on or next to a public road.
4) Delivery of gas, oil, a battery, or a replacement tire (but not the cost of these or similar items).
5) Locksmith labor to unlock a covered car if its key is lost, stolen, or locked inside the car (up to one hour).

What Collision Coverage Doesn't Cover

          Towing costs beyond what it would cost to tow your vehicle to the nearest repair facility. Labor costs beyond the first hour.

  
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