Auto Insurance | Alacrity Insurance Partners

What Auto Insurance Covers

Liability (injuries + property damage you cause)
Collision (your vehicle after a crash)
Comprehensive (theft, fire, natural events)
Personal injury protection
Roadside assistance

Who Auto Insurance Is For

New drivers
Families with multiple cars
Daily commuters
Anyone looking for better rates or bundles

Why Choose Us

Fast claims assistance
Discounts for bundles & safe driving
Personalized recommendations
Local, reliable support

Coverage Comparison

Coverage Basic Standard Full

Liability ✔ ✔ ✔

Collision ✔ ✔

Comprehensive ✔

Frequently Asked Questions

Please reach us at dash@alacrityip.com if you cannot find an answer to your question.

Do I really need auto insurance?

Yes, you are required by law to carry at least state‑minimum auto liability coverage to register and operate a vehicle. Beyond staying legal, insurance helps pay for injuries, property damage, and legal expenses so a single accident does not become a serious financial burden.

Do I need more than the state minimum coverage?

While state minimums are required by law, higher coverage limits may better protect you in case of serious accidents or lawsuits.

What affects my rate?

Premiums are influenced by things like driving record, claims history, age, garaging ZIP code, credit‑based insurance score (where allowed), and the type and value of the vehicle. The coverages, limits, and deductibles you choose also matter, so safe driving and reviewing options with an agent can help keep your rate competitive while protecting what matters most.

How does my deductible affect my insurance costs?

A higher deductible typically means lower premiums, but you’ll pay more out of pocket if there’s a claim.

Are other drivers covered under my policy?

Generally, family members or others in your household with permission to drive your car are covered, but limitations may apply.

Can I insure multiple vehicles?

Yes. you can place multiple vehicles on one auto policy, and most carriers offer a multi‑car discount for doing so. This can simplify your paperwork and often lowers the total premium compared with insuring each vehicle on separate policies.

Is roadside assistance included?

Yes, it is available, but it is not automatically included on every policy; many companies offer it as an optional endorsement you can add for a small extra cost. When added, it typically helps with towing, jump‑starts, lockouts, fuel delivery, and flat‑tire changes, subject to your policy’s specific limits and service area.