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Auto Overview

 

 

Do you remember the first time you got behind the wheel to drive? Chances are, you weren’t thinking about anything other than starting the engine and hitting the road to enjoy your new found freedom. You probably weren’t thinking about all the “what ifs” — the unexpected and unknown. What if you have an accident? What if another car hits you? What if someone is injured? What if you don’t have the money to pay for the damage?

 

Alfa Insurance® puts you more at ease by providing affordable auto insurance coverage to protect you from the unexpected. But, Alfa’s auto policies don’t just protect you. According to the options you choose, your policy can also take care of your car, other cars, payments for injuries sustained during an accident, rental cars and more.

 

Alfa™ offers you a variety of choices and coverage options so you get the protection you are looking for at a price you can afford. There’s even better news: Alfa also offers discounts on auto insurance so you can save even more money.

 

Alfa is here to help you get the protection you need on the road. Contact us today to learn more about Alfa auto insurance policies, coverages and discounts.

 

 

 

 

 

Among Alfa Auto Coverages Are:

 

 

Liability, bodily injury and property damage

 

      -Provides for payment of damages for bodily injury and property damage arising out of a car accident for which a covered person is legally responsible

      -Provides for defense in the event of a lawsuit

      -In addition to our limits, we will pay up to $50 a day for loss of wages for a covered person for attendance at a hearing or trial at our request

 

Uninsured/underinsured motorists

 

     -Provides payment for damages for bodily injury caused by an uninsured/underinsured motorist for covered persons while an operator or occupant of a car†

     -Provides payment for damages for bodily injury caused by an uninsured/underinsured motorist for covered persons while pedestrians†

     -Provides property damage coverage when loss is caused by an uninsured/underinsured motorist (deductibles applicable) ††For Georgia and Mississippi policyholders only.

 

 

†Only applies if uninsured/underinsured motorist is at fault and policy has uninsured/underinsured motorist coverage.

 

Collision

 

     -Provides coverage, less deductible when your car or non owned car hits or is hit by another object

     -Provides limited coverage for a non-owned car

     -Provides up to $200 for loss of clothes and luggage

 

Medical payments

 

     -Provides for payment of reasonable medical expenses resulting from a car accident regardless of fault

     -Provides funeral expenses up to $2,500

     -Provides payment for reasonable medical expenses for a covered person when a passenger in a non-owned vehicle or when a pedestrian

      -Also will pay reasonable cost for use of bed for named insured for overnight stay in a hospital with a family member injured in a car accident covered by your policy up to the specified limits in the policy

 

Comprehensive

 

     -Pays for damage to your car or non-owned car due to glass breakage, collision with an animal, fire, theft, hail or vandalism

     -Payment, up to the specified limits in the policy, for transportation expenses because of the theft of the entire covered car

     -Provides limited coverage for non-owned cars including rental car

     -Provides up to $200 for loss of wearing apparel and luggage due to theft of the entire covered car

 

 

* All coverages are subject to policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.

 

 

 

What Types of Discounts Does Alfa® Offer?

 

 

Air Bag

-Premium for Medical Payments is reduced for vehicles with air bags.

 

Anti-theft Devices

-Premium for comprehensive coverage will be reduced for a vehicle with an anti-theft device installed that electronically or mechanically deters auto theft.

 

Multi-car Discount

-This discount is available when two or more private passenger vehicles are insured on one policy.

 

Defensive Driver Discount

-Base premiums for certain coverages will be reduced by 5 percent for qualifying operators who have taken a qualifying Motor Vehicle Accident Prevention Course.

 

Combo

-Base premiums for certain coverages may be reduced by 12 percent if a policyholder currently has a primary residence insured with Alfa.

 

Life Insurance Discount

-Available for customers with a qualifying life insurance policy with Alfa.

 

Home Ownership Discount

-Available for customers who currently own their home.

 

Honor Student Discounts

-Available for unmarried drivers age 16-24 with evidence of qualifying grades.

 

Driver Training Discounts

-All drivers age 16 to 20 years old (except married females) qualify for the driver training discount if they have successfully completed an acceptable driver education course. This discount cannot be issued in addition to the Youth Defensive Driving Discount.

 

Youth Defensive Driving Discount

-Base premiums for certain coverages will be reduced by 5 percent for qualifying operators who have taken a qualifying Motor Vehicle Accident Prevention Course. This discount cannot be issued in addition to the Driver Training Discount.