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An automobile insurance policy is
designed to protect you and your family from financial loss if you
are responsible for damages as a result of a motor vehicle accident.
Auto life policies actually consist of several different kinds of
coverage, including LIABILITY insurance,
MEDICAL EXPENSE
insurance, UNINSURED/UNDERINSURED MOTORIST insurance,
and insurance for DAMAGE TO YOUR VEHICLE.
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State laws and financial lenders may require you to purchase certain
amounts of each type of coverage. This, and other factors, affects
the cost of your insurance. |
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Did you know that a LIFE policy can help "protect" your auto? |
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Optional Auto
Coverage's |
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Audio, Visual, Data
Electronic Equipment, Tapes, Records, Discs and
Other Media |
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This coverage provides
for various types of electronic media which are not
installed by the manufacturer and are not
automatically covered by the auto policy.
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Travel and
Transportation Expenses Assistance/Car Rental and
Travel |
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This
coverage reimburses you up to $30 per day, or $900
per occurrence, for transportation expenses when
your auto is out of use. In addition, $400 is
included for commercial transportation, meals and
lodging when your covered auto is out of use while
more than 50 miles from your home. |
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Emergency Road Services
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Covers reasonable
towing and labor costs. |
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Additional
Transportation Expense Coverage
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Not only car rental
coverage, this coverage reimburses you for
transportation costs you incur because of a covered
loss to your auto. You can select limits of either
$15 per day/$450 maximum, or $30 per day/$900
maximum. |
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Campers Comprehensive
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This coverage provides
liability protection when you are legally liable --
because of ownership, maintenance, or use of your
camper, travel trailer or motor home -- for bodily
injury or property damage. |
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Vacation Expense
Allowance |
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This is a package of
insurance coverage's for campers, camping/travel
trailers and motor homes: miscellaneous personal
property expense, travel and transportation expense,
emergency road service, and fire department
services. |
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State
laws, financial lenders and many other factors
affect the cost of your insurance. |
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Discounts |
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RDS
Insurance Brokers
Offers a variety of automobile coverage discounts, depending
on the state you reside in or the automobile program you are
placed in. Be sure to discuss these discounts with your
independent agent to determine if they may apply to you.
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You may be eligible for a discount..... |
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GOOD
DRIVERS DISCOUNT |
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20% off rate for
California good drivers. |
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PREFERRED DRIVER DISCOUNT
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If you've been without
an accident and violation-free for the past three
years you can receive 5% off. This discount applies only to new
policy holders. Check with your independent agent
to determine if this discount is available in your
state.
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ACCIDENT-FREE DISCOUNT
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Eligible for a
10% to 15% discount
if you have been insured three or more years
with one of our companies and have been
accident-free. This discount applies to the
majority of our programs. Check with your
independent agent to determine if this is available
in your state.
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MULTI-CAR POLICIES |
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Up to
20%
discount
if you insure more than
one car on the policy.
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MATURE DRIVER
DISCOUNT |
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Up to
15%
off
for drivers age 50 or older.
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ANTI-THEFT EQUIPMENT |
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Up to
15%
discount
is applied to your
comprehensive premium when you have anti-theft
devices installed on your auto,
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PASSIVE RESTRAINT
CREDIT |
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Up to
40%
discount
is applied to your
medical payments premium when your auto is equipped
with a passive restraint system.
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LOW
MILEAGE OR CAR POOL DISCOUNT |
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Up to
20%
off
eligible cars if your
annual mileage is very low or you participate in a
drive-to-work car pool.
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GOOD STUDENT
DISCOUNT |
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20%
Discount
for a young driver with a grade average of "B" or
above (up to age 25).
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APPROVED DRIVER
TRAINING |
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Up to
10%
Discount
if you successfully
complete an approved driver training course. Check
with your independent agent to determine if this
discount is available in your state.
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WIDE
RANGE OF DEDUCTIBLES |
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We offer a wide range
of deductibles to allow you the choice that best
fits your needs. The higher your deductible, the
greatest discount.
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State
laws, financial lenders and many other factors
affect the cost of your insurance. |
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