Auto insurance

Malhotra & Assoc. Insurance Has You Covered

Shop for Auto Insurance With Malhotra & Assoc.

We all want cheap auto insurance, but you also want the right auto insurance when you and your family need it most. This is the goal of every agent at Malhotra & Assoc. Insurance, to design a personalized auto insurance policy to support you and your family today and in the future.

Malhotra & Assoc. Insurance is an independent insurance agency, which is very important. While other agencies only sell one type of auto insurance, we work with the biggest and best auto insurance companies, allowing us to personalize and find the very best auto insurance policy for you!

Since you are here, we assume you are looking for an auto insurance quote. Before you decide on your next auto insurance agency, we recommend you consider the following to ensure you find the right auto insurance policy for you.

  1. Consider Your Coverage – Make sure your insurance agency understands your state’s specific insurance requirements as well as what type of insurance coverages you are looking for, like collision or comprehensive. This is why working with a local insurance agent like Malhotra & Assoc. Insurance is so important.

  2. Learn Your Limits – Find an insurance agency that will take the time to understand your personal wants and needs and knows your state laws when determining the auto insurance coverage which is right for you.

  3. Determine Your Deductible – Ensure your insurance agency has the flexibility to work with all the largest auto insurance providers to find the best auto insurance coverage with a deductible you and your family can afford.

Malhotra & Assoc. Insurance agents are auto insurance experts and are here to advise you on all of your important auto coverage decisions. Contact us today for a risk-free auto insurance quote and to answer all of your questions.

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Auto Insurance Requirements

Each state has different requirements that they expect all insured motorists to follow. These rules typically include a minimum bodily injury liability coverage amount, minimum coverage for uninsured or underinsured motorists, and minimum property damage liability coverage amount.

Speak with our agents about the requirements in your state for car insurance liability coverage.

Auto Insurance Claims

After an accident, you can call your insurer to file an insurance claim. The insurance underwriter will evaluate the damages and then offer compensation for repairs. At-fault wrecks, severe traffic violations, and multiple claims or tickets can cause your car insurance rates to increase.

Auto Insurance Coverage

Basic coverage is the minimal amount of coverage needed to meet the requirements set in your state. This coverage helps pay for the costs if you are found to be at-fault for a collision with another vehicle or have damaged someone’s property. Basic coverage may not be enough to cover the expenses for expensive or extensive repairs or continued medical expenses.

Additional coverage can give you peace of mind. You can opt into one of the following:

  • Comprehensive Coverage. Comprehensive coverage covers damage or loss to your vehicle due to fire, wind, hail, theft, vandalism, and more.
  • Collision Coverage. Collision coverage covers damage or loss to your vehicle due to a collision with another vehicle or object.
  • Personal Injury Protection (PIP). Personal Injury Protection helps with medical expenses for you and your passengers after an accident, no matter who is at fault.
  • Bodily Injury Liability. Bodily Injury Liability pays, up to the limits of the policy, for damage to other people’s property caused by your vehicle.
  • Medical Payments. Pays for medical bills incurred by you and usually your passengers, up to the limits of the policy, if injured while riding in, entering or getting out of the car.

Paying for Auto Insurance

You can often choose to pay for your car insurance on a monthly or annual basis. Some carriers offer discounts for paying in full. In other cases, a monthly direct debit payment may be more convenient. Get a quote for coverage on both a monthly and annual basis then compare the cost to find your best price.

Auto Insurance Costs

You will be charged a premium, which you pay either in full annually or in monthly direct debit payments, and you will need to pay a deductible. The deductible is the total amount of money you pay prior to receiving any compensation from the insurer. 

Many factors influence the cost of your car insurance rates. Assumed risk is a major factor in determining your rates. Drivers who are more likely to file an insurance claim usually pay more for their car insurance.

The cost of your car insurance policy is determined by your:

  • Location
  • Driving experience
  • Marital Status
  • Gender
  • Occupation
  • Age
  • Deductible
  • And more!

Auto Insurance Discounts

Bundling your car insurance with coverage from the same insurer you have other policies with, such as your homeowners insurance, can be a great way to reduce the cost of your car insurance.

Contact Us Today for a Auto Insurance Quote

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