Auto Insurance

Affordable car insurance

Get your Auto Insurance Coverage and ID Card in minutes!

We can help you get easy, affordable personal auto insurance online.  Here’s a list of some of the personal auto insurance options available: 

  • State Mandated Liability
  • Full Coverage
  • Medical Payments
  • SR22
  • Roadside Assistance
  • Rental Reimbursement

Find out for yourself how easy it is to get a quick quote for low cost auto insurance. When you fill out an application online you can get a quote in 15 seconds and within minutes print your insurance cards.  Whether it’s full coverage auto insurance or liability only, we have coverage that meets your needs.  We can also help if you need an SR22 for your auto insurance. 

Easy payment plans

Payment options that meet your needs.

We make auto insurance easy to get and easy to pay for.  Here’s a list of all of the payment options: 

  • Month-to-Month
  • Paid in Full
  • Automatic Electronic Funds

With no down payment, and you can choose to pay as you go month to month.  For additional savings, you can pay the full policy up front. For your convenience, pay at any ACE Cash Express location, over the phone or online. To make sure your coverage never lapses you can set up automatic payments with an electronic funds transfer from your checking account.

Cheap car insurance

Auto insurance coverage for everyone!

All states require auto insurance coverage, so everyone who drives needs it. That’s why we make it easy for everyone to get affordable auto insurance.

 No Credit Checks

  • Coverage for less-than-perfect driving record
  • Rates customized for you and your vehicle
  • Affordable pricing and coverage based on your needs
  • Payment plans with discount options
  

With no credit checks and coverage for less-than-perfect driving records, we have affordable plans to fit every need.

Fair coverage at a fair price –that’s what we offer!

Auto Insurance 101


What is auto insurance? 

Auto insurance pays for damages, injuries, and other losses specifically covered by your auto insurance policy. You can choose different types of coverage beyond the state requirements. We offer several options so that you can get affordable auto insurance at the level you want. 


Why do I need it? 

It’s smart to be prepared for the accidents that can happen in life. Drivers are responsible for any damages and injuries to others when they cause an accident.

Reasons to have auto insurance:

Peace of mind States require auto insurance to drive Pay for medical expenses (when selected) Cover expenses for property damage Protection from lawsuits from accidents Shields you from other motorists that don’t have insurance (when selected) Pay for theft and/or national disasters (when selected) Having auto insurance is one way you can protect yourself from a costly accident and being sued. If you are involved in a serious accident there could be extensive medical bills in excess of $15,000.  Minimum state requirements for protection may be all you need. But, you may want to shield yourself even more from a financial catastrophe. We offer the state minimum requirements for auto insurance with options to add on additional insurance based on your needs. 
What are the different types of auto insurance? Note: Types of insurance offered vary by state. 
  • Liability Coverage (Basic)
  • Medical Payments
  • Personal Injury Protection (PIP)
  • Underinsured/Uninsured Motorist (UIM/UM)

1. Liability Coverage (Basic) 

Pays: Expenses for injuries and property damage to other people and their property.

Covers: Other people that experience damage from the drivers covered by your auto insurance policy up to the policy limits.

Liability auto insurance coverage must meet the State's Financial Responsibility Requirement. Liability coverage pays for other people’s expenses such as injuries and damages for car accidents caused by drivers covered by the driver’s auto policy, up to your policy’s dollar limits. The driver that causes the accident is known as the driver that is at fault.

So, there are two parts to liability coverage:
  • Bodily Injury – this portion of liability coverage pays certain expenses for injuries to others, including medical bills and loss of income.
  • Property Damage – this portion of liability coverage pays the costs to someone else's personal property if it gets damaged. That's usually their car, but it could include things like a mailbox.

Liability auto insurance coverage is usually the cheapest auto insurance pricing option. However, it only covers the people that you hit but won’t cover your car or the people in your car.  If you can afford it, consider additional coverage for you and your property so that expenses for your own car don’t have to come out of your pocket. 


2. Medical Payments Auto Insurance Coverage 

Pays: Medical and funeral bills resulting from car accidents, including those in which the other person is a pedestrian or bicyclist.

Covers: You, your family members, and passengers in your car, regardless of who caused the accident.

This coverage is great if you don’t have an insurance policy for health, life, and/or disability. 


3. Personal Injury Protection (PIP) Coverage 

Pays: Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.

Covers: You, your family members, and passengers in your car, regardless of who caused the accident.

Similar to Medical Payments Auto Insurance coverage, you can select Personal Injury Protection (PIP) if you don’t have insurance policies for health, life, and/or disability. And, if do have insurance for health, life, and/or disability you can choose Personal Injury Protection (PIP) to supplement what you already have – especially if your current plans are providing only minimal coverage. This way, your subsequent medical bills are covered if you're insured in an auto accident.


4. Underinsured/Uninsured Motorist (UIM/UM) Coverage 

Pays: Your expenses from an accident caused by an uninsured motorist or a motorist who did not have enough insurance to cover your bills, up to your policy’s dollar limits. Also pays for accidents caused by a hit-and-run driver if you reported the accident promptly to police.

Covers: You, your family members, passengers in your car, and others driving your car with your permission. Insurers must offer Uninsured Motorist/Underinsured Motorist coverage. If you don’t want UIM/UM, you must reject it in writing.

Underinsured and Uninsured Motorist Coverage is important to protect you from expenses from accidents caused by people without auto insurance. Even if you’re a great driver, the roads are full of not-so-great drivers. And, studies show that one in seven aren’t carrying insurance* – which can leave you stranded with the bill. Get this coverage so you’ll be protected.


5. Collision Coverage (Damage to your Car) 

Pays: The cost of repairing or replacing your car after an accident. Payment is limited to your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours without damages.

Covers: Your vehicle when you or someone with your permission causes an accident with your vehicle.

This protects your expenses related to your vehicle. You should add Collision Coverage to guard your vehicle that you’ve worked so hard to afford and maintain. Imagine if you didn’t have a vehicle because of an accident. Get this insurance to make sure you’ll be on the road again if you ever have an accident. 


6. Comprehensive Coverage (Physical Damage Other than Collision) 

Pays: The cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or a cause other than an auto collision. 

Covers: Your vehicle and some expenses related to getting your car repaired or replaced as provided in your auto insurance policy.

A lot can happen to your car even if you’re not in an accident. Comprehensive Coverage protects you from the expenses related to damage to your precious car outside of an accident. 

7. Towing and Labor Car Accident Coverage 

Pays: Towing charges when your car can’t be driven after a car accident. Towing coverage is not limited to after an accident; it can be used for mechanical breakdown as well. Also pays labor charges, such as changing a tire, at the location where your car became immobile.

When you are stranded on the side of the road after an accident, you want someone to call to help you out. Towing and Labor Car Accident Coverage gives you the peace of mind and help available when you need it. 


8. Car Rental Reimbursement Coverage 

Pays: A set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your auto policy.

Unexpected loss of your car can put a dent in your wallet and leave you without a way to get to work or wherever you need to drive. Auto shops take about 2 weeks on average to finish with repairs, and 2 weeks is a long time to be without your car. Car Rental Reimbursement Coverage is an optional benefit that you could add so that you’re able to get a rental car and continue to get to your important places. 


What’s an SR22? 

An SR22 is a form that confirms a person has an auto insurance policy. A state sometimes requires an SR22 from an insurance provider on behalf of their customer or the insured. It may be required after getting a traffic ticket for driving without the proper insurance. As part of the filing, the insurance provider updates the state with a cancellation of the SR22 if the policy is cancelled, non-renews, or expires. Sometimes the person needing the SR22 doesn’t own a car but still needs to have certified auto insurance. We can help with all of your SR22 needs. There’s a place in the online registration to select that you need an SR-22 filed. Once selected, your SR-22 form will be sent to the proper location, and you can have peace of mind there’s one less thing you have to worry about.

*Uninsured Motorists, 2011 Edition, IRC (Insurance Research Council)