Protect Yourself and Your Vehicle
It doesn't matter if you drive a minivan, pickup, or a sports car. At Richards & Summers Inc
, we want to help you find the best auto policy for your needs and lifestyle. Not all auto insurance policies are the same, and they are not easy to understand without the help of experienced professionals.
You can rely on our agents to work with you on a personal level. We'll listen to your concerns and focus our search on competitively priced policies that will get you the exact coverage you need, without having to spend extra cash on policy additions you don't need. We are proud to serve all people and businesses throughout Northern New Jersey.
Who Needs Auto Insurance?
In the state of New Jersey, all drivers are required to carry some level of insurance coverage - liability at the very least. An important note is that liability only covers the damage that you inflict on other vehicles and people. Liability does not cover you or your vehicle. If you depend on your vehicle for extensive daily use, we highly recommend that you upgrade from liability to a more comprehensive policy.
Different Types Of Auto Insurance Policies
Auto insurance policies include various types of coverage, all with differing amounts of coverage and premiums. Coverage can include:
- Damage liability
- Bodily damage liability
- Uninsured / underinsured
Note that certain coverages are required when you finance a vehicle, including collision and comprehensive coverages.
Additional Auto Coverage Options
If you rely on your vehicle every day, you may want to consider additional coverage options, including roadside assistance and rental reimbursement. Also, if you have made custom additions to your vehicle like wheels or lights, these additions may require riders or endorsements.