• Skip to main content
  • Skip to header left navigation
  • Skip to header right navigation
  • Skip to after header navigation
  • Skip to site footer
  • Call (440) 266-8888
Regency Insurance Agency

Regency Insurance Agency

Let us provide us provide you the best value in auto, home, business and life insurance products whether you live in Painesville, Mentor, Willoughby, or anywhere else in Ohio. Finally, an agency you deserve!

  • Request a Quote
  • Home
  • About Us
  • Automobile
    • Automobile Insurance
    • About Automobile Insurance
    • Auto Insurance Optional Coverage
    • Top 3 Reasons You Need A Progressive Authorized Agent
  • Homeowners
    • Homeowners Insurance
    • Condo Insurance
    • Renters Insurance
    • Umbrella Coverage
    • Hanover “Prestige” Program
    • Progressive Homeowners Insurance
  • Business
    • Business & Commercial Insurance
    • Commercial Auto
    • General Liability Insurance
    • Machine Shop & Manufacturing Insurance
    • Auto Repair/Garage Insurance
  • Life
  • Customer Service
    • Driver Training Cones
    • Credit Based Insurance Scoring
  • Blog
  • Contact Us
    • Insurance Company Contacts
  • COVID-19 Message

About Auto Insurance

Auto Insurance Information

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Why do you need auto insurance?

It’s really all about protecting yourself financially.

  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Request a Quote

It’s easy and costs you nothing but a little of your time.
Call us, email us or use our convenient online form to begin a conversation.

A Full Service Independent Agency Meeting Your Auto, Home, Life  & Business Insurance Needs in Painesville, Mentor, Willoughby, and all of Northeast Ohio

Let Us Protect Your Tomorrows From The Unexpected

Contact Us Now
for Your Insurance Needs

SERVING THE INSURANCE NEEDS OF OHIO SINCE 1994.

  • WordPress
  • Facebook
  • LinkedIn
  • YouTube

Regency Insurance Agency

1930 Mentor Ave.
Painesville, OH 44077

(440) 266-8888
(440) 266-8899 Fax

contact@regencyinsurance.net

© Copyright 2021 Regency Insurance Agency