Auto
Auto Insurance
Begin with a Car Insurance Quote
Buying a new car can be a lot of fun for everyone but spend a few moments focusing on the best car insurance for you. Select the coverage, limits and deductible you'd like.
Whatever you drive, wherever you go, feel confident that you, your loved ones and your pockets are properly protected. Let us worry about the risks on the road, while you enjoy the freedom of the ride.
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We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage.
Auto Insurance
When searching for the most affordable car insurance, it is best to use a great company which you know will be there for you at the time of need.
Each state has minimum requirements of limits of liability coverage in order to operate a motor vehicle. Every driver should carry at least the minimum limit of liability insurance required by the state.
It is important to note that the insurance company will not pay more than your selected limit at the time of a covered claim. Liability Limits are crucial especially for those with assets.
There are a few different coverage options; some of these options come with a deductible; it is important to carry a deductible which is affordable to you in the event of a claim.
Coverage Details
Our carriers may have been in the business for over 100 years, but how can we help you with this experience? Whether you’re looking for cheap, affordable car insurance, or full, comprehensive coverage, we’re available to customize a policy to fit your needs.
We are constantly working to improve our digital tools in order to offer our customers all available options to keep in tune with their auto insurance.
- Bodily Injury - Coverage for injuries sustained by another person due to the accident; this may include Medical Bills, Prescriptions, Lost Wages or Pain & Suffering
- Property Damage - Coverage for damage to another person's property due to the accident; this may include damage to vehicles, a structure, a light pole or a yard
- Collision - Coverage for the cost of repairs to your vehicle caused by a collision, the Collision Deductible will apply
- Comprehensive - Coverage for the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision; this may include theft, vandalism, hail, or hitting an animal
- Rental Reimbursement - Coverage to help pay for a rental car while your car is being repaired as a result of a covered claim
Types of Hazard Insurance
- If you own a car, you need auto insurance. An Auto Insurance policy will provide financial protection for you if you are involved in an accident.
- Every car insurance policy is actually personalized as you will select your coverage, the limits of liability and the deductible. A lot of details but they’re all simple.
- A few optional coverage and features may include Loan/Lease Gap Insurance, Rental Coverage, Roadside Assistance, New Car Replacement, Accident Forgiveness, and Ride Share Coverage.
- Due to different state laws and regulations, available options and limits do vary.
Named Non-Owner Insurance is available; it is Liability Coverage for drivers who don’t own a vehicle. This may be useful for someone who needs insurance to keep a valid drivers license, frequently rents vehicles, drives a company vehicle, or provides care for a person whose car he/she will drive.
Policy Service
Customer Service is available via direct insurance company portals and tele-servicing centers for our clients and their mortgage companies.
Claims Reporting Service is available 24/7 directly online, via mobile apps and personalized telephone service.
More details available on our Policy Service tab.
- Verification of Insurance by Finance Companies
- Billing and Payment Services
- 24/7 Claims Reporting Hotline
THE NUMBERS
Results You Can Trust
HDA Insurance Brokerage is a certified and licensed National provider of home insurance and other insurance products online direct to the consumer public and via our institutional arrangement with mortgage providers. Since 1986, this Personal & Commercial Lines agency evolved into a national property insurance provider with a focused expertise in Homeowners Insurance, Landlord Insurance, Renters Insurance, Earthquake Insurance & Commercial Lessor’s Risk Insurance.
Success rate
1
%
Underwriting Partners
1
Claims Reporting
1
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Insurance Policies
1
FAQ
Here are the most common questions
Chances are, you'll find the answer in our FAQs. We have listed some of the more common questions asked by Auto Insurance clients.
We’re here to answer any and all your questions. For more specific questions, you may complete our Contact Us form and one of our representatives will be happy to personally research the topic and respond at your convenience.
Each state requires some minimum protection before driving, typically a requirement of liability insurance. Liability would be the only legal requirement; however, there may also be a contractual obligation to carry Comprehensive and Collision coverage if there is a loan against the vehicle or in the case of a leased vehicle.
The higher the deductible, the lower the premium. This is a true gamble; if you’re never in a cash crunch, the winner is the one with the higher deductible. If you’re always playing catch up, an accident could further frustrate your life and you may be better off with a lower deductible in exchange for a little more premium.
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Even if you don’t care about your vehicle, as a good neighbor, we must carry liability insurance to offer all others some peace of mind.
In just a few minutes, you can get a quote. If you’re only concerned about state minimum limits, the quote will be that much quicker!
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Theft of personal contents is usually covered under your Renters or Homeowners Insurance policy under personal property coverage away from home. Auto Insurance doesn’t cover personal contents left in the vehicle; in the case of the theft of the vehicle, coverage would apply if you have Comprehensive coverage; the Comprehensive Deductible would apply in this case.
There are many discounts which apply to Car Insurance, many of them are automatically applied during the quote application process. For example, the date of birth, years of driving experience, if you’re a University graduate, a Good Driver, and Garaging Address; these are all rating factors involving discounts.
Most applications ask about occupation, military membership, good student status, association memberships, and driver’s training courses; these also may lead to discounts.
When you enter the Vehicle ID # (VIN#), the number is coded with information regarding the vehicle which may notate the type of engine, automatic restraints, type of brakes etc…
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