Auto Insurance

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AIS – Your best bet for auto insurance.

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We’re the Auto Insurance Specialists because we shop dozens of auto insurance partners to find you the best combination of price and coverage. So you never have to sacrifice one for the other.  

After you complete our simple online quote form, you’ll get an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates. If you’re ready to start shopping our partners' rates online, start your AIS Instant Quote now.

Understanding Auto Insurance Coverages

We know insurance can be confusing.  Here are standard and optional coverages typically found in an auto insurance policy (not all coverages available in all states):

Standard Coverages includes:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision/Comprehensive
  • Uninsured & Underinsured Motorist
  • Personal Injury Protection


Physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.

Damage or destruction including loss of use of a Third Party's property. Reduction in value is the measure of Property Damage.

Collision coverage is: (a) Impact of an automobile with another object or person outside the vehicle or the upset (overturning) of such vehicle; (b) That coverage which pays for damage to our insured's vehicle, in the event of the above. This coverage is usually subject to a deductible.

Comprehensive coverage pays for direct and accidental damage to the insured's automobile, other than that caused by Collision. All losses not specifically excluded are covered and such coverage usually has a deductible.

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That coverage which, in the event the insured is injured in an accident which is the fault of an Uninsured Motorist, covers the Bodily Injury expense of the Named Insured, Relatives and passengers in his/her auto. The coverage is generally written with a per person and per Occurrence limit.

PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in No-Fault automobile insurance states.

Optional Coverages includes:

  • Rental Car Reimbursement
  • Towing
  • Loan/Lease Gap Coverage
  • Medical Expenses


That optional coverage which will reimburse the insured for the expense of renting a vehicle while his/her vehicle is in the shop due to a covered loss. Coverage is usually written with a per day Limit and a maximum number of days per Occurrence. 

The optional auto insurance coverage which will reimburse the insured for the expense of towing or repairs at the place of disablement in the event the vehicle becomes disabled. Coverage is written with a per Occurrence Limit.

In the event of a total loss, the insurer's actual cash value (ACV) payment may or may not be sufficient to pay off the loan or lease. With this coverage, the carrier will pay additional funds needed to end the contract.

An optional auto coverage which pays for the medical expenses of the Named Insured, members of his/her family, and passengers of his/her car if injured in a Collision accident. The Named Insured and Relatives are also covered if struck as a pedestrian. This coverage is Excess to any other medical insurance. 

Rideshare insurance gives you coverage in Period 1, in which Transportation Network Companies provide limited or no coverage at all. Having proper liability protection, at all times, while you're working can ultimately save you a lot of money, in the case of an accident. Learn more about Rideshare Insurance here.

Need a little more convincing?

AIS is your insurance industry insider-securing you all kinds of special benefits. We match you with a top-rated carrier and provide outstanding customer service, without ever charging a broker fee. You pay your premium, and that's it. And if you ever make a claim on your policy, we’re here to help the process go smoothly-- at AIS we don’t vanish once you buy your coverage.

Coverage Levels

Everybody is not the same. We know every individual or family has a unique set of conditions.  That’s why we provide four levels of coverage with our online quotes.

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Available Discounts

We work with you to figure out how to combine discounts to get you the best rate possible.  Safe driver, student driver, multi-vehicle, and the list goes on.

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Customer Service

We put people first.  Once you’re one of our customers, you can make coverage changes easily online, or let one of our specialists help you by phone.  

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