Auto Insurance Services

Collision and Comprehensive Auto Coverages

Cunningham Insurance Agency, Inc is a licensed, local, and woman-owned business located in the state of Massachusetts. We offer straightforward and free estimates for your convenience. Let us help you cut your auto insurance costs!

Your car's damage is covered by your comprehensive (other than collision) and collision insurance policies. For any car you own, you can buy one or both of these coverages. You might have to buy both if you have an auto loan.

You are protected by collision coverage from harm to your car that results from an accident.

The comprehensive policy, apart from collision, protects your vehicle from any additional physical harm resulting from incidents like fire, theft, flooding, and vandalism.

There is typically a deductible associated with collision and comprehensive (other than collision) coverage, and this can be anywhere from $100 to $1,000. In the event that your car is destroyed, the insurance company will only cover the damage up to the chosen deductible. The premium decreases as the deductible increases.

Payment plans are available, as well as free registry services. We also pride ourselves on our multi-policy discounts and accurate estimates. Call (413) 589-1616 today to book an appointment.

Liability Coverage

When you are at fault in a car accident, liability coverage covers the costs of treating injured parties and causing damage to their property.

Medical Payment Coverage

Regardless of who is at blame, your medical payments coverage will cover the costs of your injuries as well as those of any passengers in your vehicle, up to a certain amount. You might not require this coverage if both you and your passengers have health insurance.

Personal Injury Protection

Also referred to as no-fault insurance, personal injury protection is mandated in several states. This coverage includes burial costs, replacement services, and medical and rehabilitation costs. In the event that you are hurt in a car accident and cannot work, it also covers lost wages.

Uninsured/Underinsured Motorist Coverage

If someone injures you and their liability insurance is insufficient to compensate for your injuries, this policy will pay. If a hit-and-run motorist causes an accident involving you, it will also cover you.

Optional Coverage

Extras like roadside assistance, rental reimbursement, and towing are examples of optional or special coverage. These coverages are not required.

How Much Do I Need?

The value of your car (collision and comprehensive), the amount of money you can afford to pay out-of-pocket for deductibles, your tolerance for risk, and the assets you need to protect (liability coverage) all play a role in determining the right amount of auto insurance coverage.

You can get help from our knowledgeable auto insurance agents in Ludlow, Massachusetts, as well as the nearby communities of Chicopee, East Longmeadow, Palmer, Springfield, and Wilbraham, in locating the appropriate vehicle insurance.