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Auto insurance from PCFG Insurance gives you peace of mind, because it's more than a car.
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Protect you, your family, and your car

Even though auto insurance is required by law, insuring at the state minimums requirements may not be adequate coverage for you. That’s why a conversation with one of our advisors is so important.

What is auto insurance?

Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.

Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
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Discounts

Bundling Discounts
Multi-Vehicle Discount
Safe Driver Discount
Teen Driver Discount

Make sure your coverage is right

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Auto Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional.

BODILY INJURY LIABILITY

BODILY INJURY LIABILITY

is for injuries the policyholder causes to someone else.

MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION (PIP)

MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION (PIP)

is for treatment of injuries to the driver and passengers of the policyholder’s car.

PROPERTY DAMAGE LIABILITY

PROPERTY DAMAGE LIABILITY

is for damage the policyholder causes to someone else’s property.

COLLISION

COLLISION

is for damage to the policyholder’s car from a collision.

COMPREHENSIVE

COMPREHENSIVE

is for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

UNINSURED MOTORISTS

UNINSURED MOTORISTS

is for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

What sets PCFG Insurance apart?

● You get personalized service

● You get your claim handled promptly

● We include roadside assistance standard into the policies offered for your convenience
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Frequently Asked Questions

Why is auto insurance so important?

When you get behind the wheel, you take a risk. You may attempt to be the best possible driver, but you also have to trust that everyone else on the road is driving well and paying attention too. Auto insurance provides a safety net when drivers make mistakes.

How do I get a quote for car insurance?

Getting a car insurance quote from PCFG Insurance is easy. Just contact one of our insurance advisors or use our contact us to start creating a policy that offers the protection you need at a price you can afford.

CAN AUTO INSURANCE COMPANIES DROP YOU?

Auto insurance is a contract, and as with many contracts, it can be canceled or voided by either party. You can drop the contract by changing to another company. The following are circumstances in which an insurance company can drop you:

- If you fail to pay your premiums

- If you present fraudulent information on your application for coverage

- If your license is suspended or revoked for any reason, such as too many accidents or driving under the influence

Some states allow companies to drop coverage for other reasons. To learn about the laws in your state, contact us or visit the TrustedChoice.com network in your area.

DO AUTO INSURANCE COMPANIES CHECK DRIVING HISTORY?

An insurance company may check your driving record when you are looking for a new policy, renewing your existing policy or modifying the policy by adding a new driver or additional vehicle.

You may also wonder whether your driving record can prevent you from getting insurance. Your driving record check typically will not prevent you from getting coverage, but it does help the company determine the risk they will take when issuing a policy to you.

DOES AUTO INSURANCE COVER RENTAL CARS?

This is a common question. If you make sure you have your own vehicle covered, do you need to get the special coverage offered at the rental counter if you go on vacation and get a rental car?

You will have to double-check your particular policy, but most policies do provide the same coverage for a rental car that you have for your personal vehicle, unless the rental is being used for business purposes.

It’s always a good idea to check your policy. If you are seeking a new policy, we're always here to help you find one that does cover rentals.

DO AUTO INSURANCE QUOTES AFFECT MY CREDIT?

Car insurance is not a loan application, because while insurance firms validate the loan to assess your liability and financial protection, they do not extend the loan.

A credit review is considered a "soft pull" for a car insurance quote and it does not change your credit rating. Many people are concentrating on eliminating debt and getting caught up on payments so that when
getting a mortgage or a car loan, they can boost their credit ratings and get better rates.

Your credit score will be influenced any time you fill out a credit application, and a good percentage
of your score is based on how much total credit you have and the amount of accounts you have.

In recent years, credit ratings have becomevery relevant as lenders have tightened restrictions.

HAVE A QUESTION?

Feel Free to Contact Us

pl@pcfginsurance.com

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Still need help?

We're standing by to help you with your insurance needs. Let our licensed insurance advisors help you with you plan.
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