Would you
think of buying an automobile these days without doing some
research -- and some serious comparison-shopping? Probably
not. And yet when it comes to one of the largest costs
associated with owning an automobile -- the cost of insuring
it -- many motorists invest no time at all. If they did, they
would discover that insurance costs can vary dramatically from
one company to the next. They would also learn that some of
the most affordable insurance rates come from one of the many
insurance companies our agency represents.
In fact,
hundreds of motorists like you are currently enjoying the
benefits of the Auto Insurance provided by Rubin Insurance and
its many quality insurance companies. It starts with lower
premiums, Our ability to shop your insurance needs with over
40 quality insurance companies which translates into more
savings for you. And our advanced policy-writing and quoting
system, along with multiple rate levels, ensures that every
applicant gets the most competitive rate they are entitled to.
We provide
customer service from highly trained and courteous
professionals is another key benefit. With one toll-free call
(1-800-782-4620) from anywhere in the United States, you can
request a free quote, make a change to your policy, or get
fast, accurate information about your coverage And with the
help of a network of insurance company experienced adjusters,
claims are settled as quickly as humanly possible. In some
cases, within 24 hours!
Rubin
Insurance Auto Insurance Program offers you the opportunity to
lower your rates even further through added discounts. They
include:
•Up to 30
percent multi-car discount on each and every car you insure.
•From 15 percent up to 45 percent air bag and/or automatic
seat-belt discount. •Up to 10 percent safe-vehicle discount.
•Up to 15 percent anti-theft devices discount. •5 percent
anti-lock braking system discount. •Up to 20 percent
good-student/driver-training discounts.
Reduced rates
are also possible for customers and members of groups,
associations and companies that have formed a partnership with
Rubin Insurance which will underwrite the Auto Insurance
Program with one of the fine insurance companies we represent.
Excess
Liability Coverage
You may be
interested in our Personal Umbrella Liability Coverage. This
policy broadens liability coverage at limits up to $5,000,000.
More on
Personal Auto
Collision --
Pays damages to your own vehicle. .
Comprehensive
-- Pays for losses from fire, theft, storm, etc.
Deductible --
The amount of a covered loss you agree to pay.
Bodily Injury
-- Pays for injury to others when you are at fault.
Property
Damage -- Pays for property damage when you are at fault.
Medical
Payments -- Pays for your own or your passenger's medical
expenses.
Uninsured/Underinsured
Motorist -- Pays for coverage to you if other driver is not
insured or is underinsured.
Collision
Collision
coverage pays when your own vehicle is damaged in an accident.
Generally, the coverage reimburses you the amount to repair or
replace your damaged vehicle, minus the agreed-on deductible.
Comprehensive
Comprehensive
pays for damages to your car caused by an incident other than
a collision with another car or object. You're covered for
fire, theft, riots, collisions with animals, storms, falling
objects, earthquakes, floods and other natural occurrences.
Often, comprehensive insurance includes a daily rental
provision that pays a certain amount toward a rental car in
conjunction with a theft claim.
Deductible
The
deductible is the amount of the loss you agree to pay or
absorb in the event of an accident. With auto insurance,
deductible amounts typically range from $250 to $1,000 per
claim. That means you absorb the deductible amount every time
you make a claim. Choosing a higher deductible reduces the
cost of your insurance.
Bodily
Injury
This coverage
pays, subject to policy limits and conditions, all sums which
you are legally obligated to pay for any person(s) injured or
killed in an accident where you are at fault. Coverage
includes medical expenses and lost wages.
Property
Damage
Property
Damage is liability coverage for damage to another's personal
property, such as an automobile, house or fence, in a
collision where you are at fault.
Medical
Payments
This coverage
handles medical bills and funeral expenses for you or a
passenger injured while riding in your vehicle. Coverage
extends to you or a family member when riding as a passenger
in someone else's vehicle or when struck by a vehicle when on
foot. Costs are covered up to the amount specified by the
policy.
Uninsured
Motorist/Underinsured Motorist
Uninsured
Motorist covers you in an accident with a motorist who has no
insurance or is underinsured. In some states or insurance
policies, Underinsured Motorist protection is usually separate
from Uninsured Motorist coverage. Uninsured Motorist
protection also covers you if you're injured by a hit-and-run
driver. Coverage includes payment of medical costs, lost wages
and pain and suffering.
Want
to hear more?
For
additional information on the Rubin Insurance Auto Insurance
Program, call 1-800-782-4620. Information is also available
via e-mail at Info-request@ Rubininsurance.com
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