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Gant Insurance Gant Insurance
  • Home
  • Personal
    • Auto
    • Homeowners
    • Umbrella
    • Motorcycle
    • Personal Quote
  • Business
    • Commercial Auto
    • General Liability
    • Commercial Property
    • Business Owners
  • Life
  • Health
  • Carriers & Claims
  • Become An Agent
  • About Us
  • Blog
  • Contact Us
    • Write A Review
Jul 12
Understanding Your Car Insurance Quote

Understanding Your Car Insurance Quote

  • July 12, 2018
  • Archives, auto insurance, Blog, Personal Insurance

Learn how you can decipher your auto insurance quote.

As a driver, you likely understand just how important it is to have the right auto insurance in place. That’s why most drivers make a point to get multiple quotes for their car insurance. However, once they receive their quotes, many are confused and unsure how to read them. If you are struggling to make sense of your auto insurance quote, then here are some suggestions that may help you.

The Deck Page

The main page of your insurance quote is known as the “deck” or declarations page. This page will list all the policy details of your quote. At the top of the page, you may notice a series of three numbers, such as “50/150/35.” This series of numbers denotes the dollar amounts (in thousands) of coverage you are quoted for. The first number (“50” in this example), refers to the bodily injury maximum coverage per person you would receive in the event of an accident. The second number refers to the bodily injury maximum for all injuries incurred in an accident. Finally, the third number refers to the maximum property damage liability coverage you are quoted for.

Information such as the vehicle you are insuring, additional insured drivers, discounts, deductibles and so on will also be included somewhere on the deck page of your quote.

Your Coverages

Another important part of decoding your quote is understanding the various auto insurance options out there. Some of the major coverages include:

  • Bodily Injury Liability: This covers the medical costs that third parties might rack up following an auto accident caused by the policyholder. This coverage can also cover legal defense costs in the event that an injured party attempts to sue.
  • Property Damage: If the policyholder is at fault for an accident, this coverage will kick in and pay for any damages resulting from the accident.
  • Collision and Comprehensive Insurance: Collison insurance provides coverage for the damages a policyholder’s vehicle may have suffered during an auto accident.       Comprehensive insurance covers any damages to the policyholder’s car that do not stem from a collision event (vandalism, theft, storm damage, etc.).
  • Medical Payments: This will cover the policyholder’s medical costs following an accident. This coverage also extends to cover the medical expenses of any passengers inside the policyholder’s vehicle at the time of the accident. This coverage is accessible regardless of who is at fault for the accident.
  • Uninsured Motorist: This type of insurance will provide coverage if you get into an accident with an uninsured driver who cannot cover the costs of your repairs or medical expenses.

This is what you need to know to help you decode your auto insurance quote.  Looking to get the right auto insurance to meet your needs?  Then contact Gant Insurance Agency in McKinney, Texas to get a quote.  Our dedicated team is eager to get you the coverage that you need today.

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