Auto Insurance

Protect Your Drive, Secure Your Future.

Auto insurance is a necessary policy purchased by vehicle owners to mitigate the high costs associated with getting into an auto accident or other vehicle damage. Instead of facing devastating out-of-pocket expenses, you pay manageable premiums to an insurance company, which then covers all or most of the repair, replacement, and liability costs associated with a covered event.

Why Choose LINDAN Insurance for Your Auto Coverage?

While every state mandates a minimum amount of coverage, LINDAN Insurance believes your protection should go beyond the basics. We don’t just offer policies; we offer peace of mind.

Here are the LINDAN advantages:

• The Independent Agent Advantage: As an independent insurance agency, LINDAN Insurance does not work for one company—we work for you. We represent multiple top-rated national and regional insurance carriers. This allows us to shop the entire market, compare policies, and find the right carrier and the perfect coverage for your specific needs.

• Customized & Flexible Coverage: Your life is unique, and so are your insurance needs. We work with you to analyze your risk factors, driving habits, and budget to build a personalized policy that covers everything you need—and nothing you don’t. From comprehensive coverage to specialized riders, we offer the flexibility you require.

• Savings and Competitive Rates: Because we compare options from numerous carriers, we secure the most competitive rates available for your profile. Plus, we ensure you receive all eligible discounts, such as those for safe drivers, multi-car policies, bundling home and auto insurance, and installing vehicle safety features.

• Exceptional Claims Service: When an accident happens, you need help fast. LINDAN Insurance is known for its efficient, empathetic, and reliable claims process. Our dedicated team is available 24/7 to ensure your claim is handled quickly and fairly, getting you back on the road sooner.

• Local, Dedicated Agents: You’ll never be just an account number. Our agents are local professionals who live and work in your community. They understand your local driving conditions and regulatory requirements, providing you with personalized advice and support you can trust.

Breaking Down Auto Insurance

Your auto insurance premium is calculated based on several factors, including your age, gender, years of driving experience, accident and moving violation history, and the make and model of your vehicle.

Most policies are comprised of key components:

• Liability Coverage: Covers injuries and damages to the other party if you are found at fault in an accident. (Often includes Bodily Injury and Property Damage limits).

• Collision Coverage: Pays for damage to your own vehicle resulting from a collision with another car or object.

• Comprehensive Coverage: Protects your vehicle from non-collision incidents, such as theft, vandalism, fire, or weather damage (e.g., hail).

• Uninsured/Underinsured Motorist (UM/UIM): Protects you and your passengers if you are involved in an accident with someone who has no insurance or insufficient insurance to cover your costs.

• Personal Injury Protection (PIP) / Medical Payments: Covers medical expenses for you and your passengers, regardless of who is at fault.

Who Does LINDAN Auto Insurance Protect?

A LINDAN Insurance auto policy is designed to cover you and the people who matter most:

• You and Your Family: Policy coverage extends to you and other family members listed on the policy, whether driving your car or someone else’s vehicle (with their permission).

• Permissive Users: Your policy also provides coverage to someone who is not on your policy but is driving your car with your expressed consent.

Please note: Personal auto insurance only covers personal driving. If you use your vehicle for commercial purposes or ride-sharing services like Uber or Lyft, please speak with a LINDAN agent about supplemental commercial coverage options.