Offerings · Auto · Health · Life
Three types of insurance. Different details to consider.
Zay Services offers Auto, Health, and Life insurance. Each addresses a different set of financial responsibilities, so the information worth discussing changes with the type of coverage.
02 · Discuss with us
Health Insurance
Discuss Health coverage with us
Health insurance can involve plan-specific details about covered healthcare services, networks, cost-sharing and other terms. Contact Zay Services to discuss available Health insurance options.
Get In Touch
Compare on this page
Auto
Insurance
Compare Auto coverage here
See how the Auto options progress as additional coverage features are included.
Compare Auto Options03 · Discuss with us
Life
Insurance
Discuss Life coverage with us
Life insurance decisions can involve coverage amounts, beneficiaries, financial responsibilities and policy-specific terms. Contact Zay Services to discuss available Life insurance options.
Auto Insurance · 4 coverage levels
See exactly what changes between the Auto options.
Each row describes a real situation in plain language, with the policy term underneath. Every level keeps everything from the one before it and adds protection on top, starting with the liability coverage most states require and building toward protection for your own vehicle, everyday convenience and special circumstances.
What's covered
12 coverage points
Plain-language situation first, policy term below.
Option 01
Essential
The required foundation
Option 02
Expanded
Adds protection for your car
Option 03
Extended
Adds everyday convenience
Option 04
Complete
Covers special situations
Minimum liability requirements, and whether MedPay or PIP is required, depend on your state. Gap coverage generally applies only to financed or leased vehicles, and rideshare coverage is not offered everywhere. Limits, deductibles and exclusions are set in each policy, so review the specific terms before choosing a level.
Reading the comparison
Similar-sounding coverage can address different situations.
Three pairs from the Auto comparison above that are easy to mix up. Each pair is explained side by side.
Collision Coverage
Generally concerns covered damage to your vehicle resulting from a collision, subject to policy terms.
Comprehensive Coverage
Generally concerns certain covered non-collision events, which can include subjects such as theft, weather damage or falling objects depending on the policy.
Everyday conditions
Uninsured Motorist Coverage
May apply in covered circumstances involving a driver who does not have applicable insurance.
Underinsured Motorist Coverage
Concerns covered circumstances where the other driver's applicable insurance is insufficient for covered losses, subject to the policy.
Roadside Assistance
Usually refers to help arranged when a vehicle cannot be driven safely, as described by the policy. What that help consists of is set out in the policy itself.
Towing and Labor Coverage
Is often written as a separate benefit connected to towing and certain on-site labor. The two names can refer to related but not necessarily identical services or benefits. The exact assistance included depends on the policy.
A familiar coverage name does not replace reading the actual policy terms.
Health · Life · Auto questions
Some details need a conversation, not another comparison table.
The Auto options above are presented side by side so their included coverage points can be compared directly. Health and Life insurance involve different policy structures and personal considerations, so Zay Services handles those inquiries through Get In Touch.
Health Insurance
Questions about Health coverage
Contact Zay Services to discuss available Health insurance options and the policy-specific information relevant to the coverage you're considering.
Get In Touch About HealthLife Insurance
Questions about Life coverage
Contact Zay Services to discuss available Life insurance options, including the policy details relevant to coverage amounts, beneficiaries and financial responsibilities.
Get In Touch About LifeHave a question about one of the Auto coverage points above? Bring that question with you when you contact us.
Zay Services
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