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The Baker & Carey Insurance Agency understands that choosing the right auto insurance can be confusing, and we're here to assist! To ensure that you have confidence in the policy that will be best for you and your family, our sales agents explain each coverage option to you and make suggestions.

Image by Samuele Errico Piccarini



There's no way you can argue with how convenient the internet has made our lives. If you can buy groceries online, why not get your auto insurance online? Unlike grocery shopping and packages from Amazon, the coverage you choose when purchasing your insurance online could affect your financial future for years to come. Our agents can help you select the best coverage options, as well as save you money on your policy by uncovering all the discounts you qualify for that are often missed when purchasing a policy online. 

What Is Auto Insurance?

Auto insurance is essentially a contract between you and an insurance company. This contract states that you agree to pay premiums in exchange for protection against financial losses due to an accident or any other damage to your vehicle. The extent of coverage is going to depend on the type of coverage you get and there will minimum requirements depending on the state that you live in. The two most popular coverages will be liability and full coverage. Let’s take a closer look at the two to give you a better idea of which auto insurance plan might be best for you.

What Is Liability Insurance?

Liability insurance is the minimum insurance required in most states and covers the cost of damage and injuries to others in an accident that you have caused. This insurance does not cover damage to your own car or injuries that you sustain and will be split into two different components: bodily injury liability and property damage liability. Bodily injury liability coverage covers the cost of the other’s person’s injuries if you are at fault. Property damage liability coverage will cover damage to other vehicles or property when you are at fault.

What Is Comprehensive Insurance?

Comprehensive, or full coverage insurance includes liability coverage, collision, and comprehensive insurance. Collision insurance is protection for situations where your vehicle is damaged by another vehicle or object while driving, regardless of who is at fault. Comprehensive insurance pays for repairs in non-collision incidents. This can be vandalism, theft, weather damage, and animal damage. This type of coverage will be one of the highest levels of protection you can have for yourself and your vehicle.

What Insurance Do I Need For My Vehicle?

To get the best protection for your vehicle, we suggest having full coverage, or comprehensive insurance. This is going to provide you with the highest level of coverage to ensure both you and your vehicle are covered in any type of accident. If your vehicle has a loan on it, most companies are going to require that you carry full coverage insurance to protect the investment of the vehicle while you are paying for it. For those with older vehicles that are paid off and don’t hold much value, you can get away with cheaper liability insurance. This will ensure that you have coverage for a vehicle you hit, but will not cover your vehicle.

A helpful tip when it comes to choosing the best insurance policy is deciding what you would need if you were in an accident and needed help paying for repairs. Accidents can happen at any time and having the right coverage can expedite the repair process with little to no money out of pocket.

Why Is It Important To Review My Coverage?

The worst time to find out you are underinsured is after you’ve had an accident and the best time to review your coverage is now. For example, did you know you can choose a lower deductible windshield replacement versus what you would pay after an accident? Let us help you make the best coverage decisions for the coverages below and others:



Covers property damage and/or injuries to another person when you're at fault.

Uninsured Motorist

Covers your property damage and/or injuries expenses if the other driver is at fault and doesn't have insurance or flees the scene.


Covers the cost of repairs to your vehicle if you hit another vehicle or object whether you’re at fault or not.


Covers replacing or repairing your vehicle if it's damaged in an incident that's not a collision such as vandalism, theft, hail, fallen trees, etc

Additional Protection

Coverages that can further protect you, your family, and your vehicle are:

Medical Payments

Rental Reimbursement

Roadside Assistance

Custom Equipment Coverage

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