Auto Insurance

Personal Coverage provides auto insurance for new and used cars in New York. As an insurance agency we work with several different insurance companies to ensure you get the insurance that’s the best fit and most cost efficient.

Insurance can be complicated. Here’s a quick breakdown of the coverage options on typical car insurance policies.

If you’re looking for new auto insurance or looking to switch to a new car insurance company give us a call. With just a few steps we can provide you with a quote.

auto insurance in ballston spa, ny - personal coverage insurance agency provides car insurance

Auto Insurance Coverage That Pays Others

  • Property Damage

    Liability coverage pays for damage, due to your negligence, that you do to others. Property damage liability pays for property you damaged due to an accident.

  • Bodily Injury

    Liability coverage pays for damage, due to your negligence, that you do to others. Bodily Injury liability pays for the medical bills related to injury, and even related to death.

Car Insurance Coverage That Pays You

  • Personal Injury Protection (aka PIP, No Fault, Additional PIP)

    Pay close attention to this coverage because it pays your medical expenses, work loss and rehabilitation expenses resulting from an injury in on, getting in or getting out of an automobile. Depending on where you live the details of this coverage will vary.

  • Uninsured Motorist (UM) & Supplemental Underinsured Motorist (SUM)

    Many drivers either have no insurance or low limits for Bodily Injury liability to others. If you are in an accident with a driver in one of these situations you may be able to collect under your own policy. Depending on where you live the details of this coverage will vary.

  • Damage to Your Vehicle

    Better known as Comprehensive and Collision coverage. This coverage will pay for damage to your vehicle on a depreciated basis, subject to a deductible. Deductibles can be waived for windshield damage. Towing and coverage for a Rental Car can be added.

Policy Discounts

  • These Can Vary by Company, but Include:

    • Airbags
    • Alarm systems
    • Anti lock Brakes
    • Good Student
    • Multiple Policies with same Company(Account Credit)
    • Life Policy with same Company
    • Defensive Driving Course completion
    • Daytime running lights
    • Hybrid Car
    • Multiple cars on one policy (Multi Car discount)