Call to Get a Quote Now:

1-866-806-9777

  • Personal Insurance

    InsureMart Inc provides insurance for all your personal needs including Auto Insurance, Home Insurance, Motorcycle Insurance, Dwelling Fire Insurance, Condo Insurance, Vacant Property Insurance, Tenant Insurance, Umbrella Insurance, RV Insurance, ATV Insurance, and Watercraft Insurance. Independent agency like InsureMart Inc represents multiple carriers so we can shop for you to get the best possible rate!

    Get a Quote
  • Trucking Insurance

    Obtaining the right Trucking Insurance for your operation is a serious business, so leave it to us. We specialize in complete insurance coverage and packaged solutions for your Trucking Company’s needs, including: Long Haul Trucking Insurance, Non trucking Liability, Bobtail Insurance, Cargo Insurance, Dead Head Insurance, Occupational Accident Insurance, Workers Compensation, and much more

    Get a Quote
  • Business Insurance

    Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Get personalized Business insurance policy with InsureMart Inc.

    Get a Quote
  • Surety Bonds

    InsureMart Inc. offers quick and easy bonding services. We can get approvals on 99% of applicants regardless of bad credit or other financial problems. All you have to do is complete a quote request form and one of our agents will shop your application around with our exclusive underwriting markets.

    Get a Quote
  • Professional Liability

    Professional Liability Insurance, also called Errors and Omissions Insurance (E & O insurance), protects your business if you are sued for negligently performing your services, even if you haven't made a mistake. Complete a quote request form and one of our agents will shop your application around with our exclusive underwriting markets.

    Get a Quote

Auto Insurance

Get a Quote

How do you know what types of coverages you need? Is it required by your state? Are there ways to save money and still have the right amount of coverage? Below we detail 5 types of coverages and provide a few scenarios where you would benefit from having a non-required coverage added to your policy along with some tips to save some money depending on your vehicle and budget.

1.Liability Insurance

Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. Most states have a minimum requirement for the amount of liability insurance coverage that drivers must have. If you can afford it, however, it is usually a good idea to have liability insurance that is above your state's minimum liability coverage requirement, as it will provide extra protection in the event you are found at fault for an accident, as you are responsible for any claims that exceed your coverage's upper limit. You wouldn't want to run the risk of having to pay a large amount of money because your policy limit has been exceeded.

2.Collision Coverage

If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage will pay the value of your car.

If your car is older, it may not be worth carrying collision coverage on it, depending on the value. On the other hand, if you have a more expensive car or one that is relatively new, collision insurance can help get you back to where you were before any damage to your car. Note: If you have a lienholder, this coverage is required.

3.Comprehensive Coverage

What if something happens to your car that is unrelated to a covered accident - weather damage, you hit a deer, your car is stolen - will your insurance company cover the loss? Liability insurance and collision coverage cover accidents, but not these situations. These situations are covered by Comprehensive (other than Collision) coverage.

Comprehensive coverage is one of those things that is great to have if it fits in your budget. Anti-theft and tracking devices on cars can make this coverage slightly more affordable, but carrying this type of insurance can be costly, and may not be necessary, especially if your car is easily replaceable. Note: If you have a lienholder, this coverage is required.

4.Personal Injury Protection

While Comprehensive coverage may be something you don’t need to purchase, Personal Injury Protection (PIP) is something you should. The costs associated from an accident can quickly add up, and in order to cover those costs Personal Injury Protection is available. With this coverage, your medical bills along with those of your passengers will be paid, no matter who is at fault for an accident. Note: This coverage is not available in all states.

5.Uninsured /Underinsured Motorist Protection

While state laws mandate that all drivers should be insured, this is unfortunately not always the case. Another issue that can arise is that while a driver may have liability insurance, many states have relatively low minimum coverage requirements that may not be enough to cover all of the expenses of an accident. So, if someone is legally responsible for damages related to an accident, you won't receive any payment if they do not have coverage or you will receive less than you need to cover the cost of damages if your damages exceed their coverage amount. This is the type of situation where Uninsured and Underinsured Motorist Protection would help with expenses.

Call us at 1866-806-9777 to Get a Free Quote

*Coverages may vary by state and by insured business. Consult your InsureMart Inc. agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.


Facebook Google+

Get a Quick Quote

Insuremart Inc Main Office Location, Phone numbers
2655 S RAINBOW BLVD #310
Las Vegas NV 89146
Phone: 702-795-1777
Toll-free: 1866-806-9777
Fax: 702-386-8777
Email  Directions

.

Find us on Facebook