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Centurion Auto Insurance Review

Blue map of the USAIn the United States, having auto insurance coverage is legally required in all 50 states. Just because this coverage is legally mandated though, does not mean people need to have the same cookie-cutter insurance plan or even the same level of insurance as everyone else. Get FREE online auto insurance quotes by entering your ZIP code in our car insurance comparison tool.

There are a plethora of auto insurance companies out there today offering varying types and levels of auto insurance coverage. One such company is Centurion Insurance providing auto insurance along with many other types of insurance to their customers as well. Here are the top six types of coverage Centurion Insurance offers and why they are great to have when looking for auto insurance coverage:

Bodily Injury and Liability Coverage

Although the goal of driving is to not get in an accident, there are times when this goal may not always be met. In the event you are involved in an accident where someone outside your vehicle is hurt or killed, this coverage steps in to provide financial coverage of medical bills or additional costs associated with the accident.

In addition, should you be at fault and find yourself the defendant in a lawsuit, this coverage makes sure you are covered should you be found at fault and required to pay money to those filing the suit against you. It is important to make sure your coverage is high enough to cover a large payout in the event you find yourself in this unfortunate predicament.

Finally, this coverage can also be set up to cover you and anyone traveling in your vehicle as well. Especially since there are those individuals who may not carry insurance or may not carry enough insurance, having this coverage in place protects you and those traveling with you. Whereas it is illegal to not carry auto insurance, there are still those who do, so making sure you are covered is very important. 

Uninsured or Underinsured Motorist Coverage

People blaming a man

As previously mentioned, there are those who do not carry auto insurance, or may not carry enough auto insurance. Although this is illegal and there are fines for not carrying insurance, it unfortunately is not a deterrent for some individuals to forego this coverage. 

This type of auto insurance coverage covers you in the event of accidents taking place in states where no-fault insurance is offered or in accidents that are deemed to be hit-and-run accidents. Having this policy in place through Centurion Insurance is not a ‘must’, but it is highly recommended.

Comprehensive Physical Damage Coverage

Comprehensive physical damage coverage is for those times when your vehicle may be damaged by something other than another motorist’s vehicle. For example, natural disasters such as hail storms, fires, floods, tornadoes, hurricanes, etc. Another example would be hitting an animal while out on the road and damaging your vehicle. Finally, most comprehensive physical damage coverage also covers theft and vandalism.

Again, although not required, this type of coverage is recommended as you never know when or if these things will happen to your vehicle. The premiums for this type of coverage can be a little higher, but by keeping a higher deductible in place, it will help keep your premiums lower. To find the best auto insurance coverage for FREE enter your ZIP code above.

Collision & Property Coverage

Just as Liability coverage takes care of other motorist’s vehicles in an accident that is deemed your fault, Collision Coverage covers your own vehicle. In big accidents where both cars are totaled, this is a huge benefit to have in place to ensure your vehicle is replaced if damaged beyond repair. 

Similar to Collision Coverage, Property Coverage covers you if you damage someone else’s property in the process of the accident. Say for instance if you back into a house, or perhaps a boat parked in the drive, this type of coverage takes care of the repairs to the other person’s property. It is important to carry enough coverage to take care of these types of damages. A Centurion Insurance Agent will be able to walk you though the numbers when selecting the proper level of coverage.

Towing and Rental Reimbursement Coverage

This coverage ensures you can get your damaged vehicle to your mechanic and have a replacement vehicle until your vehicle has been repaired. IT also covers the costs of these additional expenses so you do not have to pay for them out of pocket. Although not a required insurance policy, Centurion Insurance recommends it. The nice thing is that this type of coverage is one of the more inexpensive types to carry.

Emergency Roadside Assistance Coverage Empty road

Centurion Insurance has partnered with The National Auto Club to provide their policyholders with emergency roadside assistance. The best way to think of emergency roadside assistance is for those things that happen that are not typically covered by the other policies you may keep. These things may include, but are not limited to the following:

  • Running out of gas 
  • Flat tires
  • Engine brake down
  • Dead batteries
  • Locking yourself out of your car

Although not considered ‘damage to your vehicle’, these circumstances are definitely a hassle. Having this additional assistance coverage in place through Centurion Insurance will provide you with peace of mind while you are out traveling along the road ways. This coverage is especially beneficial if you are on long road trips or traveling in an area outside of your normal radius of travel.

As you can see, there are a number of great types of coverage Centurion Insurance offers, as well as a number of great reasons to have each of them. When shopping for auto insurance, be sure to speak with a Centurion Insurance Agent to determine exactly what you need. They will be able to take a look at your specific information and determine what types of coverage is best suited for your needs as well as what levels of coverage is recommended. To compare car insurance quotes for FREE, enter your ZIP code.

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