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What You Need to Know About Auto Insurance


An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

How much auto insurance is right for you?

Lang Insurance understands the auto insurance needs of our customers. Auto insurance requirements vary by state. In some states, to drive you must carry:


Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive Auto Insurance (Other than Collision)
This coverage pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Every person is unique - contact us today to find out how to get the best price and value on auto insurance for you.