Woman in a car

Covering your vehicles: the required and the leisurely

At Jobes Insurance Agency, you’ll get the coverage you need for any and all motor vehicles.



Automotive remote key

The road more traveled

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any discounts available through the company. When getting an auto insurance quote you are asked what coverage and limits you want. Below are the different coverages and an explanation of what they cover.

Coverage options:

Collision and comprehensive (other than collision) coverage's
Collision and Comprehensive (other than collision) coverage's pay for damage to your automobile. You can purchase either or both of these coverage's for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, animals and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $0 to $1,000. If your car is damaged, the insurance company pays only for the damage in excess of the deductible you selected. The higher your deductible is, the lower your premium will be.

The road less traveled

Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverage's are required.

How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

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