Welcome to InsuranceCrazy company. We're here to help you...

Auto Insurance

ABOUT AUTO INSURANCE

Owning a motor vehicle, no matter how often you drive it, means you need insurance. The minute you are behind the wheel, and sometimes when you are not the wheel, bad things can happen. That’s why in many states it is the law, you must have insurance.

Auto finance and leasing companies also insist on insurance.

Even with all these people telling you have to get insurance, no one is insisting you have to overpay, except the insurance company. Don’t play their game. Use insurance crazy.com and get the insurance you need at a low cost rate.

Bodily Injury Liability Coverage

Bodily Injury Liability Coverage

People who get injured in an accident caused by you get covered under bodily injury liability coverage.

Collision Coverage

Collision Coverage

This type of coverage protects your vehicle in case it is damaged in an accident.

Comprehensive Coverage

Comprehensive Coverage

For non-accident events such as damage caused by wildlife, fire, earthquakes etc.

Personal Injury Protection

Personal Injury Protection

This type of insurance covers medical costs to injured parties.

Property Damage Liability

Property Damage Liability

Property damage liability covers damage to another party’s property including their vehicle, home, etc. in case of an accident

Replacement Value Coverage

Replacement Value Coverage

This type of coverage is an optional coverage that will pay for replacing your vehicle instead of the depreciated value.

Commercial Auto Insurance

Commercial Auto Insurance

Commercial auto insurance covers you against claims resulting from the business use of your vehicle.

High-Risk Coverage

High-Risk Coverage

For certain violations, the state will require your insurer to submit this form in order for you to regain driving privileges.

Auto Policy Discounts & Rate Determination

Auto Policy Discounts & Rate Determination

Auto insurance carriers may use a combination of rating factors to determine a policy price and discounts

Uninsured & Underinsured Motorist

Uninsured & Underinsured Motorist

Offers compensation in case the at-fault party does not have insurance or their coverage limits are too low to compensate in case of an accident.

Auto Insurance is a necessity, not just because of the law, but also for its helpful features.

A auto insurance policy provides the needful coverage in case of whatever loss that occurs due to theft, accident, fire, explosion, etc. You should purchase auto insurance it for you and your vehicle’s safety. Take advantage of the third party liability coverage that protects you from paying heavy penalties during accidents that are caused by you.

Zero Depreciation Cover

If you choose the zero depreciation cover then you will obtain the original cost of the part and not the depreciated one from the insurer. Usually, the companies put up these add-on cover for those autos which are 2 to 3 years old.

For taking advantage of this add-on-cover you have to yield an extra small amount apart from the basic premium.

No Claim Bonus

When you do not get any kind of claims during a policy tenure, then you will get a discount at the time of renewing your policy. This process is known as a no-claim bonus. It will help you in saving huge money in the premium also. In case if you have accumulated a nice no claim percentage then it will assist you in a future claim which you will make.

Offers Coverage against personal Accident

Damage caused or loss took place due to natural calamities like flood or earthquake or man-made reasons are also covered under the comprehensive auto insurance policy offered by various companies. Additionally, major natural reasons include typhoon, lightning, tempest, hurricane, inundation, tempest, cyclone, frost, hailstorm, rockslide and landslide are also covered.

24/7, Roadside Assistance

With a vehicle insurance policy, you will find various kinds of assistance in a form of add-on covers. These can be emergency transport, daily allowances, help in case of a dead battery, tax benefits, towing facilities, assistance if the fuel in the auto runs out, freebies and much more. These small things help you effectively when you got stuck in undesirable situations.

Get Additional Coverage

Apart from the basic damage and loss reporting, many policies offer extended coverage against other types of assistance for the vehicles. However, the premium amount of the policy increases accordingly. Please note that Personal auto insurance typically does not cover liability or damages when using the vehicle for business or commercial purposes.

Replacement Cover

This feature of the plan serves you if you lose the keys to your auto, this feature will cover the expenses of its replacement. This will also provide coverage for the procurement of new locks. Normally the insured will be able to get the advantage of this plan once in the whole policy.

Insurance Coverage Under Comprehensive Auto Insurance Protection Against Third-Party Liabilities

It covers the financial red ink against the charges from third-party damages, including the death/injury or disability of the person of any third party vehicle.

What is covered in Auto insurance?

Following features are ordinarily not covered in auto insurance:

  • Loss or damage if a policy is not in force.
  • Gradual wear and tear of auto and its regions.
  • Loss or harm to the vehicle when driven by a person without a valid driving license.
  • Loss or harm to the vehicle as a result of intoxication due to drugs, alcohol etc.
  • Loss or damage to the engine as a termination of oil leakage.
  • Loss or harm to the vehicle as a result of abuse of auto manufacturer’s guidelines.

What is not covered in Auto Insurance?

Always remember your auto insurance policy will not provide coverage in below situations.

  • If a driver is found under the influence of drugs or abuse at the time of accident.
  • The vehicle is used for illegal activities or for a purpose otherwise stated in the policy.
  • Not having a valid driving license.
  • Any loss or damage to the insured vehicle.

Key features of Auto Insurance

  • Coverage against loss or damage to the vehicle due to various factors like accident, theft, fire, explosion, self-ignition, lightning, etc.
  • Coverage against natural calamities including earthquake, flood and more.
  • Covers against financial liability caused by wound or death of a third party or damage to the property.
  • An auto insurance policy provides protection in case of collision, liability, theft, and related coverage to protect you, others, and your auto.
key-features

“Insurance Crazy assists you at every level of your insurance buying process and ensures that you get the right plan at the best price at the right time”

Compare rates & save