Auto Insurance

State law requires that you purchase and maintain a minimum of liability auto insurance for your vehicle. Let A-MAX help keep you protected.

QUICK & EASY AUTO INSURANCE QUOTE

Quick Facts about Auto Insurance

Long story short, car accidents can happen and it always seems as though they occur at the most inconvenient of times; which is why having a good low-cost insurance company to take care of you is so important. An auto insurance policy is there to help cover the cost of the repairs to your vehicle and medical expenses in the event of an accident; helping you get your life back to normal as fast as possible while also doing our best to alleviate the stress often associated with an auto accident.

A-MAX Auto Insurance offers affordable auto insurance with a package of primary coverages, which together makes up an auto insurance policy. In addition to car insurance, we also offer motorcycle insurance, homeowners and renters insurance, and insurance for other vehicles like trailers and RVs, and Mexico tourist insurance.

Understanding Auto Insurance Coverage

Put simply, the various types of automobile insurance coverage can be confusing; which is why we have broken them down to help make it easier to understand.

HOW IT WORKS

1
Inform

When you request a quote from A-MAX, our team goes to work to learn about you and your story. Like who you are, what you do, and how we can identify the right policy and driver discounts for you.

2

Discover

A-MAX  finds you quotes from over 25 unique insurance companies, not just one. But if the options are overwhelming, we'll recommend three quotes that we feel suit you best.

3

Compare

All that's left for you to do, is choose. If you're searching for Max Savings, Max Respect from your insurance provider, call, text, find us online, or come by a location in your neighborhood.

WHAT'S COVERED

Liability Insurance

If you are at fault in an automobile accident, your liability coverage, up to the limits you wish to purchase, will pay for the medical expenses and additional damages for which you are liable for. It pays for the third party expenses from the accident, including their bodily injury and their property damage.

Comprehensive

Provides coverage for your vehicle from the result of covered perils not related to a collision like fire, theft, hail, vandalism, falling objects and hitting an animal.

Collision

Provides coverage for your vehicle resulting from an accident from colliding with another vehicle or a stationary object.

Medical Payments

Coverage that pays for reasonable medical expenses or death benefits to anyone associated with an accident. It pays for medical expenses to you and your passengers, regardless of who is at fault in the accident. It can also help cover medical expenses from an injury as a pedestrian.

Uninsured Motorist

An addition to the standard automobile policy, which provides you coverage for your damages and your injuries, plus your passengers injuries, if the party that caused the accident is uninsured.

Underinsured Motorist

This coverage is pay of uninsured motorists and provides coverage in the event that the other driver is responsible for the accident and has auto insurance, but the damages caused exceeds the amount of auto insurance they are carrying.

GLOSSARY OF TERMS

Deductible – The amount of money the insured pays out to the insurance company before their vehicle gets repaired. Common deductible amounts are $250, $500 or $1,000.

Rental Reimbursement – A set amount of money per day to help assist with renting a car when the insured's car is not movable due to a covered loss.

Roadside Assistance – A service for the insured to provide them assistance when their vehicle has run out of gas, lost their keys, needs a jump start or essential fluids, flat tire, etc.

Towing – Pays for towing charges used to tow the insured's car to the nearest facility for repair.

Endorsement – The process of making a change to an active policy that increases or decreases the premium. Common endorsements include adding a second vehicle or a second driver.

Declarations Page – The front page of a policy jacket that includes the name of the insured (s), the premium, the amount of coverage and the name, description and location of the item being covered.

Insurance Contract – The policy paperwork between the insured (customer) and the insurer (insurance company) that explains the details of the contract.

Cancellation – The termination of an insurance policy before the policy has expired.

Lienholder – The organization or bank that has a financial interest in the property you are insuring, which is typically a finance or leasing company.

Reinstatement – The process of putting the insurance policy back in force after a lapse. If the insured fails to pay the premium on time, the policy will be cancelled, but can usually be reinstated if it is done within a predefined number of days from the cancellation.

Renewal – The process of continuing your insurance policy after it's set to expire. When a policy contract is set to expire after six months or one year, the customer needs to renew their policy to keep it in force.

Actual Cash Value (ACV) – The value of property, less any depreciation or pre existing damage.

Installment Fee – A monthly installment fee charged by the insurance company for breaking up the premium into monthly installments.

Vehicle Identification Number (VIN) – A unique code given to each vehicle made up of numbers and letters to help an insurance company get specific details and characteristics of the vehicle.

Effective Date – The date on which an insurance policy starts or goes into effect.

Premium – The price of the insurance policy that the insured pays in exchange for the insurance coverage.

Claim – The request by the policyholder (aka the insured) to have an item fixed or repaired by the insurance policy.

Exclusion – Specific hazards or perils that are not covered on the insurance policy. There are common exclusions like intentional acts that are excluded. You can also exclude a driver so that they are not covered on the auto policy.

Grace Period – The period of time after the due date of a payment during which the policy will remain in force without any penalty. After the grace period runs out, the policy will cancel if no payment is made.

Expiration Date – The ending date of an insurance policy. After the insurance policy expires, the insured would have to restart or renew a policy.

Policy Fee – A fee the insurance company charges to issue the policy, which is non-refundable and fully earned.

Concealment – Failure to disclose the facts which could void an insurance policy

Policy Period – The time frame of a policy that is in force, during the effective and expiration dates.

Underwriting – The process that each policy will go through so that the insurance company can decide to insure the risk or not. Underwriting determines who is insured and how much in insurance premiums to charge the insured.

Insured – The customer or client that is covered by the policy.

Insurer – The insurance company that is covering the customer, or insured.

Customization – Additional equipment that has been added to a vehicle after it has been purchased from the manufacturer, altering or changing the original vehicle model. Coverage can be purchased to insure these additions added by the insured, such as special rims or stereo equipment that has been upgraded.

Artisan – A customer who is a craftsman or skilled worker and using their vehicle at their job to carry tools, or deliver goods.

 

Cheap Auto Insurance

At A-MAX Auto Insurance, we offer low-cost Liability Auto Insurance, Towing/Roadside assistance, Uninsured/Underinsured motorist, Comprehensive/Collision, Rental reimbursement and Medical payments coverage. Since 2002 we’ve diligently worked to help our customers find low-cost Auto Insurance based on their own unique situation. It’s your money; we think you should keep more of it! Let us help you save money on your Auto Insurance.

Let's Start Saving

Get Started Online

"I need coverage now, but can it be that easy?"

The answer is yes. Using the A-MAX Insurance easy online portal, customers can get a quote and be on their way to coverage within a few minutes. It's as easy as 1...2...3...

Chat With An A-MAX Agent

If the options are overwhelming please connect with a local live agent. We will work to learn about you and your story to guide you through the process of comparing over 25 unique insurance companies and recommending three quotes that we feel suit you.