Accident Forgiveness (Multiple Accidents) Helps keep your rates from going up just because of an accident. Even if it's your fault.
Safe Driving BonusSM
Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other The Warren Gray Agency discounts you qualify for.
Deductible RewardsSM
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement (optional)
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
Accident Forgiveness
Helps keep your rates from going up just because of an accident. Even if it's your fault.
Deductible RewardsSM
You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement (optional)
If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
Accident Forgiveness
After 5 years for eligible customers.
Liability Coverage
If you're at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
Medical Payments Coverage
If you're in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.
Underinsured / Uninsured Motorist Coverage
If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.)
Collision Coverage
This option helps protect you from repair costs to your car if you're involved in a covered accident. Considering it's a covered loss (that's insurance-speak for an accident that's specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.
Comprehensive Coverage
This option helps protect your car in covered situations that don't necessarily involve other drivers or vehicles. If your car's damaged by a storm, vandalism, or passive object (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.
Personal Injury Protection
Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you're hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)
Additional Coverage Options
Can boost convenience and peace of mind, whether it's with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.
Everyone loves a discount, which is why we've created all kinds of discounts and bonuses to help save you money on auto insurance. The summary below is a basic rundown of what we offer. Depending on the kind of car you drive, the state you live in, and the kind of policy you carry, you could be eligible for one or more of these benefits. (Just make sure you read the disclaimer at the bottom of this page for all of the necessary details and restrictions.)
Premier Discount
If you've been safe on the road and accident-free for the past three years, and you're also clear of any moving violations, you might qualify for our auto insurance Premier Discount. (To be eligible, you and all additional drivers also need to have carried continuous, standard automobile Liability insurance during those same three years.) If you're a new driver and received your license within the past three years, you, too, could be eligible. Just make sure you meet the above qualifications from the date your license was issued.
Premier Plus Discount
Our best auto insurance discount yet, the Premier Plus could be yours if you're a safe driver with no moving violations, who's been accident-free for the past five years. To qualify, you and all additional drivers also need to have carried continuous, standard automobile Liability insurance during the past three years. New drivers are also eligible: if you received your license within the past three years, and you meet the above qualifications from the date your license was issued, you too could qualify.
Defensive Driver Discount
If you're 55 or older, and you're the principal driver of your insured car, you could save on your premiums by taking an approved defensive-driving class. (Not available in every state. Check with your The Warren Gray Agency agent for details, as age and class requirements can vary from state to state.)
Passive Restraint Systems
If your car came equipped with airbags, or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your auto insurance.
Anti-Lock Brakes
Alternately, if your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount can bring your premiums down.
Anti-Theft Devices
This discount applies in certain states, and can save you money if your car came equipped with approved anti-theft devices.
Multiple Policy Discount
If you have property insurance with The Warren Gray Agency, you may qualify for The Warren Gray Agency's Multiple Policy Discount to lower your auto insurance premiums by as much as 10%.
Good Student
If you're 25 or younger, unmarried, and a full-time student who meets our GPA requirements, you could save on your auto insurance premiums with this valuable discount. (In some states, the qualifying age is 21.)
Senior Adult
If you're 65 or older, and you drive more than a quarter of your car's total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage. (Check with your The Warren Gray Agency agent, as this discount isn't available in all states.)
55 and Retired
If you're 55 or older, and not employed full-time, this discount can help keep your auto insurance costs down.
New Car
Depending on your state and the model-year of your vehicle, that brand new, never-been-titled car you just bought might save you money.
Economy Car
If you already own an economy car, your savings might just keep coming.
Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.
Resident Student
If you carry coverage for a student who's under 21 and lives at a school that's more than 100 miles away, you could save valuable cash on your premiums.
Farm or Ranch Vehicle
If you're a full-time farmer or rancher, and you're insuring a farm or ranch vehicle used exclusively for work on your property, this bonus could help keep your costs down.
At The Warren Gray Agency, we value every customer. We're also focused on delivering the highest-quality insurance products with the best service available. Which is why our policy holders enjoy reliability, dependability, and personalized coverage that fits their lives plus a host of auto insurance discounts to choose from.
With so many ways to save, you're bound to find a discount that fits.
With Your Choice Auto®, you can enjoy The Warren Gray Agency's high-quality auto insurance coverage, with better protection if you have an accident and more rewards if you avoid them.
Here's just a taste of what Your Choice Auto® only from The Warren Gray Agency can deliver:
- Accident Forgiveness... Helps keep your rates from going up just because of an accident. Even if it's your fault.
- Safe Driving BonusSM... Introducing the Safe Driving Bonus check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other The Warren Gray Agency discounts you qualify for.
- Deductible RewardsSM... You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
- New Car Replacement... If your new car gets totaled within the first three model years, you can get a new car not just the depreciated value.
See how these innovative features are bundled together in the different Your Choice Auto® packages.
Did you know that people who switched to The Warren Gray Agency and bought our Platinum Package saved an average of $480**?
Car crashes are the #1 killer of our nation's teenagers1. Each year, nearly 5,000 teens are killed in motor vehicle crashes2 and nearly 375,000 are injured3.
That's why The Warren Gray Agency is committed to help keep them safe with tools, tips from experts, and information for parents of teen drivers to start that important conversation about teen driver safety.
And talking with your teen about rules of the road may not necessarily be easy, but it is important. As a way to get started, check out The Warren Gray Agency's exclusive Interactive Parent-Teen Driving Contract 
What more is being done? Graduated Driver Licensing laws are designed to help young drivers transition from novices and, gradually over time gain behind-the-wheel experience and driving skills within lower-risk conditions, to gain full driving privileges. Research studies have shown that strong GDL laws can reduce crash rates among 16 year-old drivers by almost 40%.
Because GDL laws are not the same in every state, there is current legislation underway intended to change that. The Safe Teen and Novice Driver Uniform Protection Act of 2009 (STANDUP Act) would establish minimum federal requirements for a national Graduated Driver Licensing law to be consistent nationally.
More quick tips to keep in mind. If you're buying a car for your teen, try to find one with a high safety rating. It can help keep your auto insurance premiums down, and increase your child's safety on the road.
Also, if you believe the Graduated Driver Licensing laws in your state aren't strong enough, here are some suggested rules you might want to use with your teen:
- Discuss when, where, how, and with whom your teen is allowed to drive.
- Limit the number of passengers in the car. Laughter, music, and cell phones can create serious distractions which increase with every additional passenger.
- Establish and enforce a curfew.
- Insist that your driver (and all passengers) wear seat belts at all times. They may not be cool, but seatbelts save lives. (And, in some states, it's the law.)
- Create a no-cell zone. Talking on the phone is a dangerous distraction on the road for drivers of any age. Know the applicable laws in your county or state, as these are changing rapidly and fines can be significant.
- Consider limiting or supervising your teen's driving privileges during accident high-risk times (such as Friday and Saturday nights).
- Set driving-area limits. If your teen wants to travel outside your town or city, require that he or she request your special permission.
- Prohibit driving under the influence of drugs or alcohol. Prohibit riding as a passenger with a driver who's unfit to drive. Encourage your teen to call for a ride home if needed.
Find out more about adding a teen driver to your auto insurance policy by getting a car insurance quote today (it's easy!). Or, you can always contact the Warren Gray Agency at 225-261-7997 or 225-275-2322 to get your quote over the phone.
Did you know that a car is stolen in the United States every 26 seconds?* And that vehicle thefts cost Americans approximately $7.6 billion each year?*
Even if you are not a victim of car theft, you are still paying the cost. The National Insurance Crime Bureau estimates that theft and fraud increases the cost of auto insurance by $200 to $300 per year, per policy. In an effort to help reduce that burden, The Warren Gray Agency has developed a number of tools to help you protect your car and your wallet. We are committed to reducing the number of car thefts and the impact they have on our customers.
Another way consumers can protect themselves is by using VIN etching. VIN etching is the permanent engraving of a vehicle's federally registered vehicle identification number (VIN) onto its windshield and windows. VIN etching is often seen as a deterrent to thieves because it not only makes it nearly impossible for thieves to profit from selling windows and windshields, but it also makes it more difficult for thieves to find a way to dispose of the vehicle once it has been stolen. To learn more ways to safeguard your vehicle against auto theft, contact the Warren Gray Agency.
