Auto Insurance Policies

Automotive Insurance Coverages

Driving without car insurance is not only dangerous but also illegal. Insurance will protect you against any financial losses if you are involved in an accident. At Elite Auto Insurance, we work with a variety of insurance providers, which allows us to help our customers find the auto insurance policy that fits their needs and budget. We offer coverage for both personal and business insurance clients, so no matter what type of vehicle you need covered, we have the plans to fit your needs.

There are basically six different types of coverages. Some may be required by law while others are optional. They are:

• Bodily injury liability – for injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) – for treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability – for damage the policyholder causes to someone else’s property.
• Collision – for damage to the policyholder’s car from a collision.
• Comprehensive – 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' coverage – for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

For your FREE auto insurance quote, fill out our online form today.

Our Auto Insurance Coverage Options

Our coverages:

• Comprehensive and collision
• Liability
• Medical payments
• Personal injury protection
• Uninsured motorists

You can add special coverages to your auto insurance policies:

• Car rental reimbursement
• Emergency roadside assistance
• Towing

Automobiles equipped with anti-theft systems may be eligible for premium discounts.

Additional Auto Insurance Options

• Student - Full-time students and college graduates up to age 25.
• Multi-car - Families with more than one automobile save additional premium dollars with our multi-car discount.
• Multi-policy discount - Special discounts may apply when Elite Auto Insurance insures your home, boats, RV, motorcycles, antique automobiles or other personal property.
  

Classic Auto Insurance Coverages

Eligible classic cars:

• Street rod - A vehicle manufactured prior to 1949 whose body, chassis, engine suspension or interior has been modified.
• Customized/modified - A vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.
• Replicas - A commercially assembled reproduction of any motor vehicle at least 25 years old.
• Kit car - A motor vehicle at least 25 years old consisting of separately manufactured components that are assembled by the purchaser.
• Exotic vehicle - A motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.

Motorcycle Insurance Coverage Policies

There are several different types of motorcycle insurance coverages. Some may be required by law and others are optional. The main coverages are:

• Accessory coverage – Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
• Comprehensive physical damage coverage – Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
• Collision coverage – Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns.
• Bodily injury liability coverage – Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
• Property damage liability coverage – Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
• Medical payments coverage – Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
• Personal injury protection coverage – This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP is designed to be paid without regard to legal liability.
• Uninsured/underinsured motorist coverage – Provides for a motorcycle operator to receive damages for any injury they receive from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
• Motorcycle roadside assistance coverage – Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.

Choose the Right Motorcycle Policy for You

• Classic bikes
• Cruisers
• Custom cycles
• Sport cycles
• Touring bikes
• Trike conversions
  

Recreational Vehicle Insurance Coverages

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

• Bodily injury liability – For injuries the policyholder causes to someone else.
• Medical payments or Personal Injury Protection (PIP) – For treatment of injuries to the driver and passengers of the policyholder’s car.
• Property damage liability – For damage the policyholder causes to someone else’s property.
• Collision – For damage to the policyholder’s car from a collision.
• Comprehensive – 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' coverage – For costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
• Contents coverage – Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.

Our RV Coverage Options

• Drivers over 70 years old with no surcharge
• Drivers with minor violations
• Full-timers
• High value motor homes
• Low value motor homes
• Motor homes titled in a corporate name
• Motor homes up to 45 feet long
• Motor homes with multiple owners
• Older motor homes
• And much more!

Off-Road and Snowmobile Insurance Coverages

• 3-,4- and 6-wheel ATVs
• Dirt bikes
• Dune buggies
• Golf carts
• Snowmobiles
• And much more!

Travel Trailers Insurance Coverages