Auto Insurance

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Auto Insurance: From theft to collision, plenty of things can happen on the road. We'll make sure you're covered with the right policy.

Auto Insurance Information

What is auto insurance? 

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium. 

Why do you need auto insurance?  State Law Requires you to have it... 

It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver discount, multiple policy and good student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Auto Calculator: What will my auto payments be?

About Us

Platinum Insurance Group, LLC was founded in Sioux Falls, SD in 2014. We have over 15 years of experience in the insurance industry and take pride in our friendly and professional main street business.

Platinum Insurance Group, LLC is part of the Insurance Associates of America. We gain an advantage with our association membership over our competitors because we have the opportunity to represent numerous insurance companies.

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Get In Touch

 

4009 W. 49th Street, Ste 103
Sioux Falls, SD 57106

 

605.271.4446

 

855.636.7797

 

601 16th St. PMB 121
Golden, CO 80401

 

303.842.7613

 

855.636.7797

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