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Auto Insurance

Alabama Auto insurance

Athens Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.

Insurance for all kinds of vehicles

Pepper, Johnstone & Company can insure your motorcycle, classic car, motor home & RV, boat & Jet Ski, and ATV - contact us for more information today.

What kind of insurance do I need?

In some states, to drive you must carry:

  • Liability coverage to pay for losses you cause others, or
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverages.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply.

To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision) Insurance

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Every person is unique. Talk to us today to find out how to get the best price and value on Athens auto insurance for you.

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Auto Insurance Policy

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
  1. Bodily injury liability, for injuries the policyholder causes to someone else.
  2. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car.
  3. Property damage liability, for damage the policyholder causes to someone else's property.
  4. Collision, for damage to the policyholder's car from a collision.
  5. Comprehensive, for damage to the policyholder's car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Auto Insurance Premium

The price an insurance company charges for coverage, based on the frequency and cost of potential accidents, theft and other losses. Prices vary from company to company, as with any product or service.

Premiums also vary depending on the amount and type of coverage purchased; the make and model of the car; and the insured s driving record, years of driving and the number of miles the car is driven per year. Other factors taken into account include the driver s age and gender, where the car is most likely to be driven and the times of day rush hour in an urban neighborhood or leisure time driving in rural areas, for example. Some insurance companies may also use credit history related information. (See Insurance score)

Liability Insurance

Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person.

Collision Coverage

Portion of an auto insurance policy that covers the damage to the policyholder's car from a collision.

Deductible

The amount of loss paid by the policyholder. Either a specified dollar amount, a percentage of the claim amount, or a specified amount of time that must elapse before benefits are paid. The bigger the deductible, the lower the premium charged for the same coverage.

Comprehensive Coverage

Portion of an auto insurance policy that covers damage to the policyholder's car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods and riots), and theft.

Teen Driver in the Family? Check out Teen Safety Rewards

Teen Safety Rewards from Safeco provides families tools and discounts to help teens become safer drivers and lower the cost of insurance.

Car Insurance Discounts How you can save money

The Teen Safe Driver Discount from Safeco encourages safer driving and offers an additional discount. Learn more »

Umbrella policies Get additional loss protection

Your current insurance may not cover you fully in the event of a catastrophic loss. Learn more.

Bookmark our mobile site visit m.pjcoinsurance.com

Information you need, when and where you need it most. More »

Our Insurance Companies

Safeco Insurance

Pepper, Johnstone & Company, Inc.

Our location

122 W. Market Street
Athens, AL 35611
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