Collision - Pays for damages to your own vehicle. This coverage typically pays for damages to your car as a result of a an accident with another car or something else (e.g. a tree). This coverage provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value of the vehicle. Actual Cash Value takes into account depreciation of your car due to age, use, and wear and tear.
Comprehensive - Pays for losses from fire, theft, storm, etc. Comprehensive coverage typically covers damage to your insured car not caused by collision (a covered accident with another car). This coverage typically includes, among other things, damage caused by falling objects, fire, theft and vandalism, explosion, earthquake and more.
Bodily Injury - Pays for injury to others when you are at fault.
Property Damage - Pays for property damage when you are at fault.
Medical Payments - Pays for your own or your passenger's medical expenses. Medical Payments coverage provides payment for reasonable and necessary medical treatment for bodily injury caused by a covered accident, regardless of who was at fault. That treatment includes, among other things, x-rays, surgery, ambulance, physicians, hospital, and funeral expenses.
Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses. This typically provides coverage for an insured person for certain reasonable and necessary expenses. The types of expenses vary by state. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It's only available in certain states.
Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.
In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:
Mechanical breakdown insurance Emergency Roadside Assistance and Towing Service When you or your loved ones are stranded and need help, they're as close as the telephone. With an optional Towing and Road Service, you can reach them 24 hours a day, 365 days a year. It only takes one toll-free call. If you choose a Sign and Drive Road Service, you won't need a credit card or check to get the help you need.
Car Rental Reimbursement After a car accident, you may need to rent a car while yours in being repaired. This coverage can usually be bought from your car insurance company. As an alternative you can also purchase it from AAA at CLICK HERE. Car rental reimbursement coverage pays a flat sum to assist you with the expenses that you may incur following an auto accident.
Auto Glass Replacement Auto Glass Replacement is an optional program that takes the headache out of repairing or replacing damaged or broken auto glass. Sometimes included in a comprehensive coverage.
There are several places where you can buy insurance for your car in Ithaca:
Allstate Insurance
CLICK HERE
Amica Mutual Insurance Company
CLICK HERE
Nationwide Mutual Insurance Company
CLICK HERE
Farmers Insurance Group
CLICK HERE
Geico Insurance
CLICK HERE
For more options you should look in the yellow pages or ask your friends about their insurance provider.