Auto Insurance
Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Auto insurance is a necessity for all drivers. In addition to providing vital protection for you, your passengers and your property, it is also a legal requirement in most states. Car insurance can help pay for property damage or bodily injuries for you and other drivers if you’re in an accident.
We’re here to help you find the right auto policy for your insurance needs. Contact J A Campisano Insurance in Point Pleasant Beach, New Jersey, to learn more about our auto insurance coverage and for a free car insurance quote today.
What Does Auto Insurance Cover?
A vehicle insurance policy is a legally binding agreement between you and your insurer. In exchange for your monthly premiums, your insurance company pays for damages and other expenses incurred from covered losses up to your policy limits.
Individual policies may vary, but most auto insurance policies will include the following coverages:
- Property damage liability—This policy can pay for damage you cause to other people’s property while driving.
- Bodily injury liability—This policy can pay for costs associated with injuries or deaths you cause while driving (e.g., lost wages, medical expenses).
While these coverages may be enough to meet mandatory state requirements, they may not provide sufficient protection for your needs. Additionally, if you have an auto loan or are leasing your car, you may be required to purchase additional policies as part of your contract.
Here are some additional policies to consider adding to your auto policy:
- Collision coverage—This policy can pay for damage to your car from accidents regardless of fault or collisions with objects (e.g., hitting a guard rail).
- Medical payment coverage—This policy can pay costs associated with injuries to your or your passengers (e.g., medical bills)
- Comprehensive coverage—This policy pays for non-collision damages to your vehicle (e.g., vandalism, hail).
Further car insurance options, including multiple car savings and possible discounts for drivers with clean records, may also be available with your insurance company.
The right car insurance is just a few clicks away. Call J A Campisano Insurance to learn more about our auto insurance options.
How Many Car Insurance Claims Can I Have?
There is no legal limit to the number of claims you can file under your auto policy; however, if you are in multiple accidents in a short period of time, your insurance company may consider you a high-risk driver and may choose not to renew your policy. If you experience multiple claims in a short time, you may also experience an increase in your monthly premiums.
Many insurance carriers will look at your driving history for the past three to five years when determining your car insurance rates. But insurance premiums may vary with different insurance companies. Speak to your insurance agent today for more information on determining your auto insurance rates.
How Do I Buy Auto Insurance?
Whether you own, rent or lease, car insurance can help protect you from costly losses. Contact J A Campisano today to learn how our auto insurance coverage can provide peace of mind for you and your family.
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