There are a variety of business insurance coverages based on your company's specific needs, including high risk categories to discounted rates for special situations. We quote many companies, so rest assured our goal is to find you the best coverage and price. Please fill out the preliminary form below to help in obtaining the appropriate policy for you. There are no required fields, and the information is confidential. Auto insurance is for your protection, providing the financial resources to deal with harm to you and your auto, avoiding catastrophic losses and shielding your assets from liability if you are at fault in an accident. Regardless of where you live, there are common elements of standard auto insurance. Limits of liability If you are liable (at fault) in an accident, the liability components of your policy protect you against bodily injury and property damages caused to third parties in the accident, including legal bills. You and other family members covered in your policy are considered first parties. Your insurance company is the second party. Liability coverage limits are commonly expressed in two ways: single limit and split limit. A single limit is the maximum an insurance company will pay for all third party bodily injuries and property damage. A split limit is expressed as a series of three numbers, such as 100/300/50. The first number, 100 ($100,000) equals the maximum third party bodily injury coverage per person. The second number, 300 ($300,000) equals the maximum total third party bodily injury coverage per accident. The third number, 50 ($50,000) equals the maximum amount payable for damage to property of others. Some states have established minimum levels of liability coverage you must purchase. But these minimum levels, although legal and inexpensive from a premium standpoint, are rarely sufficient for any household with assets to protect. Collision and comprehensive Collision coverage pays for damages to your vehicle. The maximum amount of collision protection is usually limited to the depreciated value of your auto, which is not the same as the auto's replacement cost. Collision coverage is normally the most expensive component of auto insurance. If you can afford it, you can cut your premiums by selecting coverage with high deductibles, say $500 or $1000 for example, meaning that you pay this amount of collision-related repair costs and your insurance pays the rest, up to the determined value of your vehicle. Comprehensive coverage pays for non-collision damages to your auto, including theft, glass breakage, vandalism, animals, falling objects, and natural disasters. Check with your agent about deductibles. Remember, payment is made for what your auto is currently worth (it's market or "book" value), so it's helpful if you have a rough idea of this amount. This knowledge can help you determine the best deductible for your policy. The National Automobile Dealers Association publishes the Official Used Car Guide, which is updated each month. Many public libraries have copies. Medical payments Pays medical expenses for people covered under your policy ("first party" expenses). These expenses can stem from accidents in your auto, accidents in other vehicles driven (with owner permission) by you or other family members and auto injuries when you or family members are pedestrians. These payments are made regardless of who is at fault, but your insurer may seek to recover the loss from the other party if that party is liable for the accident. Personal injury protection (PIP) and broader "no fault" coverages are expanded forms of medical payments protection that may be required in your state. Even if not required, such coverage is frequently offered. Expanded features include lost wages and payments for child-care and other services you would normally perform (but are temporarily unable to) due to injuries caused by an accident. Under