Ferrari Insurance Agency

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Ferrari Insurance Agency
48 White St
Danbury, CT 06810
Ph: 800.941.6352
Fx: 203.791.8512

This Agency is committed to building long-term relationships with you our clients, We will honestly discuss your needs for insurance and will determine your service expectations.

We will earn your respect as insurance professionals and will measure our success when you value the products and service we provide, recommend us to others within your community, and depend on us when you have a claim, concern or question.

We are license agents with large knowledge of all lines of insurance and very professional . Ready to take your call to help you take care yours insurance needs.

What is Auto Insurance?
Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.

Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:
Bodily Injury Liability
Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they cause injury to others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets - your home, boat, and savings- if you get into an accident.

Medical Payments
Medical payments (or personal injury protection plans) pay for the care of injuries to the driver and passengers of the policyholder’s car in the event of an accident. Depending on the amount of coverage you choose, medical payments coverage can cover medical costs, lost wages, and possible funeral costs.

Property Damage Liability
Property damage liability coverage covers the damage you, or someone driving your car with your permission, does to another person’s property. Usually, this includes damage to lamp posts, telephone poles, buildings, fences, or other structures you may hit.

Collision
Collision coverage covers damage that to your car that results from a collision with another vehicle or object. This type of coverage also covers your car against damage from potholes, or if it flips over. You can choose a relatively low deductable or a high one- but keep in mind that a higher deductable will result in a lower premium.

Comprehensive
If you car is stolen or is damaged by something other than a collision with another car or object (i.e. fire, falling objects, missiles, explosions, hail, vandalism, etc.). Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

If you are looking into purchasing an auto insurance policy, Erie Insurance is happy to help. Contact us today for more information, or to get a free auto insurance quote. Even better- by combining your auto and homeowners insurance with Erie Insurance, you can save up to 30%!