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A. Central Car Insurance Company is an auto insurance company based out of New York that only serves New York residents. A subsidiary of New York Central Mutual (NYCM), A. Central Car Insurance Company was created by NYCM to provide a different, more affordable type of auto insurance for their customers.
A. Central Car Insurance Company only sells auto insurance; any other types of insurance must be purchased through their parent company NYCM. When it comes to auto insurance, they offer liability insurance, property damage insurance, personal injury protection insurance, out of state insurance, uninsured motorist coverage, supplemental spouse insurance liability, collision insurance and comprehensive insurance.
Read these A. Central auto insurance reviews, take a look through the ratings and customer reviews of A. Central at the bottom of this page, and then when you have finished reading the auto insurance reviews be sure to enter your zip code in on the side of the page to get free car insurance quotes online.
Liability insurance is used when you are at fault in an auto accident and you have a legal obligation to pay for damages to another person for their injuries, death and property damage. Many people believe that liability insurance is to cover loss and damages to their own vehicles as well, but unless you live in a no-fault state, that is not the case. This is why you are strongly encouraged to purchase more that your states minimum requirements when purchasing liability insurance, if the amount of injuries or damages exceeds your insurance amounts, then you will be required to pay for the difference out of pocket.
Property damage insurance is just what it sounds like, it covers repairs or replacement of property damaged in an automobile accident that you caused. This coverage is for any third party damage not directly covered under your regular liability insurance.
Personal injury protection insurance is often referred to as no fault insurance. This is insurance that covers your medical costs in the event of an accident. However, you do not have to live in a no fault state to purchase this insurance, it is up to the insurance provider to determine if they want to offer this coverage in a no fault state.
Out of state insurance is an important insurance to consider if you travel out of state on a regular basis. Every state has their own insurance laws and if you are in an accident in another state, you are required to pay for insurance the way that they have determined is appropriate. As such, out of state insurance from A. Central Insurance Company provides you with insurance congruent with each state that you go too. If you live in New York and the minimum liability requirements are 25/50/10 and you travel to North Carolina where the minimum liability requirements are 30/60/25, then your out of state insurance will change to the North Carolina minimums. What’s more, your insurance will reflect the requirements of each state that you go through to reach your destination.
While A. Central Car Insurance Company does not offer underinsured motorist coverage, they do offer uninsured motorist coverage. What this coverage does for you is to protect you in the event that you are in an accident caused by an uninsured driver. Uninsured motorist coverage is coverage that pays for things like your medical care, pain and suffering and lost wages. Even in a no fault state, pain and suffering and lost wages are paid by the person who caused the accident. If they do not have insurance then your coverage will ensure that you receive the compensation that you need.
Supplemental spouse insurance is an interesting concept. You see, some policies do not cover your spouse if you are in an accident and they receive injuries. It is important that you understand all of the terms of your policy; our independent agents can tell you whether or not this is a coverage that you will need with your current policy. They can also tell you if you would do better with a policy with a different company as well.
Collision insurance is an insurance that will be required by our lending institution if you are making payments on your vehicle. This insurance offers two benefits, the first is that if you collide with another vehicle or object you are paid directly by the insurance company for your damages. Secondly, the insurance pays the other party for their damages as well. Collision insurance was specifically designed for collisions that causes your vehicle to overturn.
Finally, A. Central Car Insurance Company offers comprehensive coverage. If your vehicle is leased or you are making payments on it, then you will be required to carry comprehensive coverage as well. Comprehensive coverage offers coverage for anything else that happens to your vehicle outside of a car accident. Things like fire, theft, flood, riot, and vandalism are all covered under your comprehensive insurance plan. What’s more, if your vehicle is moved by an act of nature, like a tornado, and it lands on another vehicle, home, etc. your comprehensive coverage will pay for your damages as well as the damages to the other person’s property.
You have three options for paying your premiums with A. Central Car Insurance. The first option is to pay for a six-month or annual policy in full. The benefit of paying in full is that you avoid a $6.00 monthly convenience free for making monthly installments. If you choose a one-year policy, then you will lock in your rate longer (a six-month option means that they renegotiate your policy ever six months).
The other options for paying your insurance premiums are the annual 10-pay plan and the 4-pay plan. The 10-pay plan allows you to pay 15% of your premium up front and the rest of your premiums will be divided up into 9 monthly payments. The 10-pay plan is only available for an annual plan. The 4-pay plan is designed for the six-month insurance package. In this case, 15% of the premiums are paid up front and the rest of the premium is divided into three more months of payments.
You can receive discounts for having anti-lock breaks on your vehicle, automatic daytime running lights, air bags, multiple vehicles on your policy, approved security system, take an accident prevention course, and a combination coupler discount (by purchasing homeowners insurance through their parent company). Because every auto insurance company offers their own types of insurance, it is important that you compare different insurance companies to each other to see which one can save you the most money.
A. Central Car Insurance Company also offers 24/7 claims reporting, online bill pay, and Quality Repair Shop. Their Quality Repair Shop is used when you have an auto accident and need repairs on your vehicle. By filling out a form on their site, they will direct you to shops that will repair your vehicle and that will bill the insurance company directly for you. They will also assist you in finding a rental car for the duration of your repairs and any repairs done though Quality Repair Shop are guaranteed for life.
While A. Central Car Insurance Company does not offer any commercial insurance, nor do they offer any other type of insurance, their parent company, New York Central Mutual does. You can purchase additional insurance and receive discounts for purchasing multiple products between the two companies.
There dozens of auto insurance companies that are vying for your business and many of them offer great discounts. If you are interested in purchasing auto insurance for a new vehicle or you are just curious whether the rates you are paying are reasonable, then you need to use our quote tool right now and get quotes from several different insurance companies to compare. You are not required to stay with the same insurance company forever, it is important to stay abreast to the changing rates and ensure that you are always getting the best one by using our free quote tool. Compare your A. Central auto insurance quotes online with quotes from other top insurance companies. Take the time to look into this free option now.
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