Auto Insurance
Auto insurance, a crucial tool for mitigating loss, is best tailored to your needs. This is where StarNet Insurance Group excels. Our expertise in offering customized insurance plans has satisfied numerous customers. We analyze your unique requirements and provide various solutions to ensure you're adequately covered in times of trouble. Our mission is to minimize risk by offering the broadest coverage for your budget. Here are some ways we can address your concerns.
Minimum of Full Coverage
Insurance is a highly regulated field, and at StarNet Insurance Group, we take this seriously. We conduct research to ensure that your automobile meets all the requirements to be on the road in your state. This is what we refer to as minimal coverage. From there, we will craft an automobile policy that aligns with your priorities and introduce options to enhance your coverage.
Three components make up a full coverage policy:
1. Liability Insurance: If you are responsible for an accident, the coverage is responsible for medical bills and property damage that resulted from the accident. Remember that the section of the policy does not cover your automobile repairs or injuries sustained by you.
2. Collision Insurance: This covers damage to your vehicle, whether caused by you or someone else.
3. Comprehensive Insurance: This portion of the coverage will ensure coverage from damage caused by events other than accidents within your control. Some of the more common examples are natural disasters and theft.
Full coverage is not a legal requirement, but it can provide more peaceful sleep at night. Many lenders require full coverage or collision and comprehensive coverage at minimum.
Optional Coverage
1. Personal Injury Protection: This protection is enforced regardless of who’s at fault. The payout can be used for lost wages, medical expenses, and more. The payout is available for passengers, you, and you as a pedestrian.
2. Uninsured or Uninsured Motorist: This coverage will protect against accidents in which the responsible party has little to no automobile insurance. Passengers, you, and property will be eligible for financial recovery up to the limits within the policy.
3. Medical Payment Coverage: MedPay Coverage allows for funds for medical costs incurred from an accident regardless of fault. Those who are eligible are passengers, pedestrians, you, and you as a pedestrian.
4. Roadside Assistance: If your automobile breaks down on the side of the road, we offer assistance to get your car running again or to get you to a safe location.
Discounts
At StarNet Insurance Group, we offer many discounts. If you are eligible, some discounts can reduce your monthly premium to include:
Senior discounts: An age-based discount is available because seniors are deemed less likely to cause an accident compared to younger drivers.
Multi-policy discounts or bundling: You may be able to combine your automobile insurance policy with other policies with ours, and you can save anywhere from 5-25%. We can review your outstanding policies to evaluate your options.
Multi-car discounts: If you insure more than one vehicle with us, you may qualify for additional discounts to save even more.
Good-driver discounts: Nothing makes an insurer more motivated to insure your automobiles than a good driver. A driving record void of any accidents and traffic violations makes you eligible for additional discounts on top of what you qualify for.
Vehicle Equipment Discounts: You may qualify for discounts based on airbags, anti-lock brakes, an anti-theft system, daytime running lights, and more.
Active duty and federal employee discounts: In some cases, discounts are available for qualifiers of active and duty status and current federal employees may result in a 15% discount.
While car insurance is the link between you and an insurance company, insurance is imperative. At StarNet Insurance Group, we specialize in auto insurance and will guarantee outstanding customer service. We offer many options and promise to do our very best to service your needs. We look forward to meeting you, so call us and get a quote.