Auto Insurance
Auto Insurance Information
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It’s a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability, and medical coverage:
Property Coverage
Pays for accidental damage to or theft of your automobiles.
Liability Coverage
Covers your legal responsibility to others for bodily injury or damage.
Medical Coverage
Pays for injuries, rehabilitation, lost wages, and funeral costs.
Why do you need auto insurance?
Most states require you to buy some level of auto coverage. And if you're financing a car, your lender may also have requirements.
It's really about protecting yourself financially. If you're in an accident or your car is stolen, it can cost a lot of money to fix or replace it. If you or passengers are injured in an accident, medical costs can be extremely expensive. And if you or your car is responsible for damage or injury to others, you may be sued for much more.
Why Choose RCUIS
for Your Insurance?
If you’re a Redwood Credit Union Member, you’ll enjoy the convenience of having your banking and insurance policies together under one roof, manageable within your RCU online banking account.
Get Your Quote
Questions to ask your agent
Your agent is your advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident?
Determine your level of savings and how much you could reasonably put on a credit card.
- What is the insurance company's level of service and ability to pay claims?
Check for financial strength, proper state licensing, and claims and complaints process.
- What discounts are available?
You may qualify for good driver, low mileage, multiple policy discounts, and more.
- What’s the procedure for filing and settling a claim?
Prepare to ask your agent and make notes about who to call, what happens next, etc.
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Additional Coverage and Services
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