Start With a Simple Online Request
Most people begin by visiting the CIG website and clicking the "Get a Quote" button. The form asks for basic information: driver age, vehicle make and model, annual mileage, and desired coverage limits. Accurate details produce a realistic quote and avoid later adjustments.
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Understand the Coverage Options
CIG offers standard liability, collision, comprehensive, and uninsured motorist coverage. Liability covers bodily injury and property damage to others. Collision pays for your vehicle after an accident, while comprehensive protects against theft, vandalism, or natural events. Uninsured motorist coverage steps in if the at‑fault driver lacks insurance.
Compare Rates Across Tiers
After submitting the form, CIG generates a base premium. Use the comparison table below to evaluate how changes in limits or deductibles affect the cost.
| Coverage Level | Premium (Annual) | Key Features |
|---|---|---|
| Standard | $800 | Liability only |
| Plus | $1,200 | Liability + Collision |
| Premium | $1,600 | Full coverage (Liability, Collision, Comprehensive) |
Factor in Discounts and Credits
CIG rewards safe driving, multi‑policy bundling, and certain credit scores. Ask whether you qualify for a safe driver discount, a student discount, or a loyalty bonus. Each can reduce the premium by 5–15%.
Validate the Final Quote
Before accepting, verify that the quote includes all desired coverage and that the deductible aligns with your risk tolerance. If the insurer offers a "price match" guarantee, confirm it applies to the final rate.
Secure Your Policy in Minutes
Once satisfied, complete the online application, upload any required documents, and pay the first premium. CIG typically issues an electronic policy within 24 hours. Keep a printed copy for your records.