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Auto insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a set of coverages you select.

Most states require that you have car insurance if you own a vehicle, but mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific coverages.

Beyond legal requirements, having car insurance is a smart decision. If you cause an accident, you may be held responsible to cover the related expenses such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk.

Working with an insurance representative to help you choose a car insurance policy that addresses your individual needs and budget can help protect you, your loved ones and your assets.

There are many factors that should be considered in choosing life insurance, including short-term and long-term cost, coverage and cash value. Life insurance is meant to give you peace of mind, not to put a strain on your budget. We can work with you to identify an affordable life insurance policy that meets your family’s coverage needs.

Several of the life insurance products allow you to get a quote or apply online. For more complex coverage needs, you should discuss your unique situation with an agent and build a policy that will protect your family. Contact us online to start the conversation.

Because we’ve been helping people through life’s transitions, both expected and unexpected, for over 19 years, Cygnus Insurance knows the importance of having a plan for the end of life. We are dedicated to our customers and act with integrity, innovation, and accountability as we work to help you protect and provide for your family.