Auto Insurance

To help meet the insurance needs of all our customers, Woods Insurance offers a range of auto policy levels – from the most basic and cost-effective to the most comprehensive policies.

The right auto insurance policy can help get you back on the road promptly if your car is damaged or destroyed by an accident, fire, theft, or other loss covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. When you pay a premium, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for you and your family.

Ford SUV Car in Southwestern Landscape

Auto insurance requirements vary by state. Coverages include:

Liability coverage to pay for at-fault losses to others.
No-fault/Uninsured Motorist/Underinsured Motorist/Uninsured Motorist Property Damage coverage to pay you and your passengers for medical and related expenses caused by injuries and pay to repair damage to your vehicle from a car accident.
Personal Injury Protection and Medical Payment coverages pay for immediate and required medical services that are a result of an injury from a car accident. If carried on your policy, these coverages assist with medical expenses regardless of fault.
Roadside Assistance, Rental Reimbursement, and Loan Payoff coverages to help mitigate out-of-pocket expenses for tows, a rental vehicle during repairs, and additional payment for the amount owed on your vehicle loan and the actual cash value of the vehicle.

When you finance a vehicle, it is necessary to have insurance which covers damage to your vehicle.

Collision Insurance

Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than collision)

Comprehensive insurance covers non-collision damage done to your car, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will need it if your car is financed.

Woods Insurance has partnered with reputable insurance companies that offer reliable car insurance. Call us today to find out how we can help you.

Every person is unique – call us today to find out how to get the best premium on car insurance for you.

For a Free Car Insurance Quote, Contact Woods Insurance

Woods offers free, comparative quotes on personal auto insurance from multiple insurance carriers, assuring you of the best possible rate. Want to see how much we can save you? For a free online auto insurance quote, fill out our following quote form or call Woods Insurance at (800) 949-3720 today. You can also stop by to our Woods Insurance NM or Woods Insurance CO regional offices to learn more.


We’re licensed in 33 states, so get started today.

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