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Auto Insurance

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Right Insurance. Right Price.

Aspire Insurance has been servicing the local community from decade. As an independent agent, we have the flexibility and the markets to put together an insurance package designed to meet your individual needs and budget.

How much auto insurance is right for you?

  1. Liability coverage – to pay for losses you cause others
  2. No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  3. Both liability and no-fault coverage.

What is the difference between collision and comprehensive car insurance?

With all the different terms used to describe insurance, it can be tricky to know how you are covered. Collision car insurance and comprehensive car insurance are like two sides of the same coin. Each protects you in a different way.

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 Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. 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.

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