Auto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
Make sure you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Commercial Solutions Ins.
2200 Franklin Street Bellevue, NE 68005
Testimonial from Eric Crouch
As a new client, so far I have only had a positive experience with Commercial Solutions and I already recommended them to others.
-Customer since 2017
Very polite and informative! Very service oriented.
-Steve R., customer since 2012
I appreciate the personal attention and annual renewal meetings. I prefer having a face to face conversation rather than just a "sign here to renew" letter being sent out. I like to ask questions and be sure that my coverage is what I actually need and hear suggestions if changes are necessary.
-Customer since 2016
Jeff & the team at Commercial Solutions are great at getting finding solutions for our insurance needs. I really appreciate the quick response time and friendly service.
-Cathy H., customer since 2014
Commercial Solutions responds quickly, usually same day, and provides us with insurance that our clients request with no problems.
-Jean M., customer since 2015
Jeff & his team are always very fast & courteous in their help to us. Pricing, value... no comparison. A trusted relationship with extremely knowledgeable professionals... they have won our business through consistently demonstrating they put their clients first. Thank you for all your help & guidance. Mike & Sheri Jacoby
-Michael J., customer since 2011
Very easy to work with (Traci is great!!!). I was in a complicated position and you were quick to find me a solution to insurance needs that were above my expectations. Overall service has been great.
-Customer since 2016
I really appreciate how quick you are to get me a quote. Your office is always very professional and friendly.
-Customer since 2014
The customer service at Commercial Solutions Insurance is stellar! The rates are excellent and they really care about their customers.
-Chris R., customer since 2016
We liked how easy it was to sign up, and that it was explained to us well. I do like even more that when we do have a question the customer service is on it. It's nice to know your there to answer questions instead of the old "we got you money now don't bother us" thing that happens all to much with some other companies. Thank you
-Vince S., customer since 2014
Located in Bellevue, NE . We also serve the Council Bluffs, IA, LaVista, NE, Lincoln, NE, Omaha, NE and Papillion, NE areas. - Licensed in Colorado, Iowa, Illinois, Kansas, Missouri, Nebraska and South Dakota