Auto Insurance:
Smart, Simple Coverage for the Road Ahead
Auto insurance isn’t just a legal requirement—it’s your financial safety net when the unexpected happens. From fender benders to hailstorms, the right coverage can make all the difference in protecting your vehicle, your wallet, and your peace of mind.
At Range Community Insurance, we know that no two drivers—or policies—are the same. Whether you’re insuring your daily driver, a family fleet, or a business vehicle, our local agents help you find the best protection at a competitive rate. We review your current policy, explain your options clearly, and help you avoid coverage gaps that could leave you vulnerable.
Liability Coverage
(Required in most states)
Protects you if you cause injury or damage to others in an accident.
- Bodily Injury Liability: Covers medical expenses for injured parties.
- Property Damage Liability: Pays for damage to another vehicle or property.
Tip: Choosing higher limits helps protect your assets in case of a lawsuit.
Comprehensive Coverage
Covers damage from non-collision events like:
- Theft or vandalism
- Weather (hail, flooding, fire)
- Animal collisions or falling objects
Great for full protection beyond just road accidents.
Personal Injury Protection (PIP)
(Required in some states)
Covers medical expenses, lost wages, and more for you and your passengers—regardless of fault.
- Ideal for added financial peace of mind.
Collision Coverage
Pays to repair or replace your vehicle after an accident—no matter who’s at fault. Recommended for newer vehicles or those with outstanding loans or leases.
Uninsured/Underinsured Motorist Coverage
Protects you if you’re hit by someone with little or no insurance.
- Helps cover medical bills and repairs to your vehicle.
- Important in states with high rates of uninsured drivers.
Additional Coverage Options
Gap Insurance –
Covers the difference between your loan balance and your vehicle’s current value if it’s totaled.
Rental Car Coverage –
Helps pay for a rental while your vehicle is being repaired.
Roadside Assistance –
Covers towing, flat tires, jump-starts, and more.
Custom Equipment Coverage –
Protects aftermarket parts and specialty modifications.
Key Things to Consider When Choosing Coverage
- What’s your deductible and how much can you afford out-of-pocket?
- Do you have protection if your car is stolen or hit by a driver without insurance?
- Will your policy cover a rental car while yours is in the shop?
- Are you covered beyond just the state minimum requirements?
Your Needs Will Change –
So Should Your Coverage
Life changes—so should your insurance. Whether you’re shopping for a better rate, expanding your household drivers, or upgrading your vehicle, regular policy reviews help ensure you stay protected.
Contact Range Community Insurance today for a free review and customized recommendations. We’re local, experienced, and here to help—every mile of the way.
