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Car Insurance with IZC

Auto insurance doesn't have to be complicated. Our experts are ready to make sense of your auto insurance and get you on the road faster.

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IZC gives you confidence in your auto insurance buying experience.

IZC Insurance Agency specializes in personal insurance placements including auto insurance. Licensed in all 50 states, IZC is ready to help you compare multiple auto insurance options and find the best policy that is right for you. IZC can help you bundle your other insurance needs to find more options for your auto insurance or get you a standalone policy to protect your vehicle and get you on the road.

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What Does Auto Insurance Cover?

Auto Insurance coverages can vary by policy and by state. Here are a few coverages that are standard in most policies, but partner with IZC to make sure your policy checks all your boxes.

Liability coverage

This covers bodily injury and property damage that you may cause to others while driving your vehicle. It helps protect you financially if you're at fault in an accident and are held responsible for damages or injuries.

Collision coverage

This covers damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault. It helps pay for repairs or replacement of your vehicle.

Comprehensive coverage

This covers damage to your vehicle from non-collision incidents, such as theft, vandalism, fire, or natural disasters. It also includes coverage for hitting an animal on the road.

Uninsured/underinsured motorist coverage

This provides coverage if you're involved in an accident with a driver who doesn't have insurance or has insufficient insurance to cover your damages.

Medical payments coverage

This covers medical expenses for you and your passengers if injured in an accident, regardless of fault.

Personal injury protection (PIP) coverage

This covers medical expenses, lost wages, and other costs associated with injuries sustained in an accident, regardless of fault. PIP coverage is available in some states and is typically mandatory in "no-fault" states.

It's important to review your auto insurance policy and discuss with your insurance provider to fully understand the specific coverage and limits of your policy, as they can vary depending on the insurance company and state regulations.

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What's Not Covered

In addition to the auto insurance required by your state, you can add some additional coverages to your policy to help you in the case of an auto loss. Below are a few of those options.

Rental car reimbursement

This coverage helps pay for the cost of renting a replacement vehicle if your insured vehicle is damaged in an accident or stolen and is undergoing repairs. It typically has a daily limit and a maximum coverage period. Rental car reimbursement can be useful to ensure you have transportation while your vehicle is being repaired or replaced.

Roadside assistance

This coverage provides services such as towing, jump-starts, tire changes, lockout assistance, and fuel delivery if your vehicle breaks down or experiences a covered event while on the road. Roadside assistance can be helpful in case of emergencies or unexpected situations while driving.

Gap coverage

This coverage is designed to protect you if your vehicle is totaled in an accident or stolen, and the insurance payout is not enough to cover the remaining balance of your auto loan or lease. Gap coverage bridges the "gap" between the actual cash value of your vehicle and the amount you owe on your loan or lease, helping you avoid out-of-pocket expenses for the remaining balance.

Custom AV Equipment

This coverage provides protection for custom audio, visual, or other electronic equipment that you have installed in your vehicle, beyond the standard factory-installed equipment. It can help cover the cost of repairing or replacing custom AV equipment that is damaged, stolen, or vandalized.

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