Peace of mind comes from knowing you and your vehicle are fully protected wherever you go. Personal Finance Center provides auto insurance policies with competitive premiums that you pay annually. We're happy to provide several quotes to choose from so you can get the best deal. As your broker, we'll assist with your policy maintenance and any claims, and we'll research the best rates when it's time for you to renew.
Your policy includes these four primary of coverages.
- Bodily Injury Liability: Protection if you injure someone while operating your vehicle. The standard limit on Guam mandated by Public Law 20-216 is $25,000 each person and $50,000 per accident.
- Property Damage Liability: Protects you if your car damages someone else's property. The standard limit on Guam mandated by Public Law 20-216 is $20,000 per accident.
- Comprehensive Physical Damage Coverage: Pays for losses resulting from incidents other than collision, including if your vehicle is stolen, damaged by fire, vandalism or animals. This coverage has a deductible, which you pay out of pocket. The higher your deductible, the lower your premium.
- Collision Coverage: Pays for damage when your vehicle hits or is hit by another vehicle or object. This coverage has a deductible.
For additional premiums, you can add these coverages for different types of protection.
- Medical Payments: Pays for the medical expenses of the injured driver and passengers in your car.
- Uninsured Motorists Coverage: Pays for your injuries caused by a driver who doesn't have auto insurance coverage.
- Loss of Use Coverage (Rental Reimbursement): Pays for a rental vehicle up to $40 per day (maximum of $1,200) when your auto is out of commission after a loss under comprehensive or collision covered by your auto insurance.
- Typhoon, Windstorm, Hurricane, Flood or Tidal Wave: Pays for damage to your auto caused by these perils for an additional premium.
At no cost to you, we also provide these coverages:
- Free lockout service
- Free tire change service
- Free out-of-gas delivery
- Free jump start
- Free one-way transport
- Free diagnosis
- Discounted towing, mechanical service and parts
For more information about Personal Finance Center auto insurance or to purchase your customized policy, please visit our locations in Tamuning or Dededo.