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Safeguard Your Investment with Affordable Auto Insurance Plans

Auto insurance is crucial to safeguard your valuable assets against unforeseen events. Sunshine Senior Services, a trusted name in senior insurance for years, is now extending its offerings to include auto insurance. This expansion enables us to better cater to our clients by providing a comprehensive, one-stop solution for all their insurance needs. With Sunshine Senior Services, you can trust that your vehicle is protected by professionals dedicated to your peace of mind. Auto insurance shields you from expensive repairs and medical costs arising from accidents, covering liability, collision, and comprehensive needs. By choosing auto insurance with Sunshine Insurance Services, you gain from our expertise and commitment to tailored, comprehensive coverage.

elderly man driving a car with his spouse in the passenger seat. He can drive with peace of mind, knowing he has quality auto insurance
Coverage Details

Auto Insurance Coverage Options

Auto insurance from Sunshine Insurance Services offers comprehensive protection, including collision coverage for repairs or replacement if your car is damaged in an accident. Liability coverage protects you against legal costs and medical expenses if you cause injury or property damage to others. Comprehensive coverage safeguards against non-collision incidents like theft, vandalism, and natural disasters. Additional options include personal injury protection, uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance, ensuring you are fully covered for any situation on the road.

Sunshine Insurance Services offers a range of auto insurance coverage options to protect you and your vehicle. Our coverage options include:

Liability Coverage

Covers bodily injury and property damage you may cause to others in an accident.

Collision Coverage

Pays for damage to your vehicle resulting from a collision with another car or object.

Comprehensive Coverage

Protects against non-collision events like theft, vandalism, fire, and natural disasters.

Personal Injury Protection (PIP)

Covers medical expenses and lost wages for you and your passengers after an accident.

Medical Payments Coverage

Covers medical expenses for you and your passengers regardless of who is at fault.

Roadside Assistance

Offers services such as towing, battery jump-starts, and flat tire changes.

Rental Reimbursement

Covers the cost of renting a vehicle while your car is being repaired after a covered incident.

Gap Insurance

Pays the difference between your car’s actual cash value and the amount you owe on your loan or lease if your car is totaled.

Uninsured/Underinsured Motorist Coverage

Provides protection if you are involved in an accident with a driver who has insufficient or no insurance.

Custom Parts & Equipment Coverage

Provides coverage for aftermarket parts and equipment added to your vehicle.

By choosing auto insurance from Sunshine Insurance Services, you ensure comprehensive protection tailored to your specific needs, offering you peace of mind on the road.

a family going on a vacation in their car

Benefits of Having Auto Insurance

Auto insurance from Sunshine Insurance Services provides numerous benefits, including financial protection for repair or replacement costs after an accident and liability coverage for legal and medical expenses if you cause injury or damage to others. Comprehensive coverage safeguards against theft, vandalism, and natural disasters, while medical payments coverage ensures your and your passengers’ medical expenses are covered. Uninsured motorist protection keeps you safe in accidents involving uninsured drivers. Additional benefits include roadside assistance, rental reimbursement, and custom parts coverage, ensuring you are fully protected on the road and compliant with legal requirements.


Auto Insurance Frequently Asked Questions

Auto insurance policies from Sunshine Insurance Services can be tailored to meet your specific needs. A typical policy usually covers collision and liability, with limits customized for you. Our agents provide a detailed breakdown of your coverage.

Does My Auto Insurance Cover Me If I Rent a Car?

When you rent a car, rental companies often offer liability and damage coverage. However, many standard auto policies extend coverage to rented vehicles. Coverage specifics can vary, so check your policy or consult with our agents to avoid unnecessary charges.

Does My Auto Insurance Cover Damages If I Lend My Car to Someone Else?

Your auto insurance covers your car, not the driver. This means your policy will cover damages if a friend or family member borrows your car, up to your policy limit. Their insurance serves as secondary coverage once your limits are reached.

Why Did My Auto Rates Go Up When I Haven't Had a Claim and My Car Is Getting Older?

Auto insurance rates fluctuate due to various factors, including increased accidents and costly claims. Market conditions can also influence rates. Our agents can provide insights into specific factors affecting your rates.

What Is Required By My State for Auto Insurance Coverage?

Auto insurance requirements vary by state. Visit to check your state’s specific requirements or consult with our agents for guidance.

How Much Auto Insurance Do I Need?

Your auto insurance needs depend on several factors, including state requirements, driving habits, car age, and preferred deductible. Newer vehicles may benefit from additional coverage options like new car replacements. Our agents can help tailor a policy to your needs.

Will My Auto Insurance Pay for a Rental If My Car Is in the Shop?

Your auto insurance will cover rental costs if you have selected rental reimbursement coverage. Sunshine Insurance Services offers options like the Ultimate Rental feature, which covers rental costs up to $5,000 in some cases. Discuss your rental coverage options with our agents.

Am I Covered If My Car Breaks Down?

Auto policies generally don’t cover mechanical failures unrelated to collisions or vandalism. Check if your car is under warranty for repair savings.

What Coverage Do I Need If My Car Is Leased?

Leased cars typically require liability, collision, and comprehensive insurance with higher limits. State requirements and leasing agreements vary, so consult with our agents to ensure proper coverage.

What’s the Difference Between Liability and Full Coverage Insurance?

Liability insurance covers damage you cause to others and their property. Full coverage includes liability, collision (for damage to your car in an at-fault accident), and comprehensive (for non-collision damage like theft or weather).

How Much Does Auto Insurance Cost? What Factors Affect My Rates?

Auto insurance premiums depend on factors like location, vehicle type, driving habits, and coverage selections. Our agents can provide a personalized quote based on your specific situation.

How Can I Get Discounts on My Auto Insurance?

Sunshine Insurance Services offers various discounts, including for paid-in-full policies, anti-theft devices, safety features, multi-car policies, good student discounts, and more. Bundling auto, home and in some cases even other types of insurance coverage can also provide savings. Talk to our agents to learn more about available discounts.

a couple speaking to an auto insurance agent stl metro

Get a Quote

Ensure your vehicle is protected with top-tier auto insurance from Sunshine Senior Services in the STL Metro Area. Our expert team is committed to finding the perfect insurance plan tailored to your driving habits and financial needs. Whether you’re looking for basic coverage or comprehensive protection, we offer a range of options to keep you and your vehicle safe on the road. Don’t wait until it’s too late—secure your peace of mind today. Call Sunshine Senior Services for a free, no-obligation quote and discover how our exceptional service and affordable rates can benefit you. Take control of your auto insurance needs—contact us now and drive with confidence.

Contact Us For More Information on What Sunshine Senior Services Can Do For You