Accidents happen, so make sure you’re ready with the protection you need. We won’t steer you wrong.
What You Should Know
There’s more to buying auto insurance than choosing a deductible. There are a host of coverage options available and not all are appropriate or needed in every situation. Moreover, risk preferences and pricing will vary from carrier to carrier based on multiple factors including; driver history, credit rating, type of vehicle being insured and more. That’s why working with an Independent Agent is so important. Let us help you compare pricing, coverage and available discounts from top rated carriers to determine which policy gives you the best overall value.
Types of Coverage
Auto Insurance Coverage & Options
Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault. Claims may be covered for bodily injury, medical expenses, lost wages, and pain and suffering.
Damages you cause to the property of others. This includes damages to other vehicles and other property such as walls, fences and equipment. Uninsured motorists coverage protects the policy owner and pays if they are injured by a driver who does not have auto insurance (or inadequate insurance) or by a hit-and-run driver.
Premium & Discounts
- Safe Driver Discount
- Multi Car Discount
- Good Credit Discount
- Good Student Discount
- Homeowner Discount
- Renters Bundling Discount
- Safety Equipment Discount
Collision coverage pays for physical damage to your car as the result of a collision with another car or with an object, such as a tree. This coverage is optional and is not required by law. However, your lending institution or lessor may require you to carry collision insurance.
In some cases, often in the case of an older car, the cost of repairing the car can quickly exceed the value of the car. In such cases, insurers may “total” the car and pay you what the car was worth rather than fixing it.
Comprehensive coverage pays for damage to your auto from most other causes including; fire, hail, severe weather, vandalism, floods and theft. Comprehensive coverage may also cover broken glass, like windshield damage. Comprehensive coverage is optional and not required by law.
Personal Injury Protection
- Ambulatory Services
- Diagnostic Services
- Hospital Expenses and Surgical Services
- Medical Services and Medication
- Rehabilitation Costs
- Lost Income and Essential Service Benefits
- Death Benefits
Motorcycle, Boat, RV & Snowmobile Insurance
- Bodily Injury
- Passenger Liability
- Pedestrian PIP
- Optional Equipment
- Towing and Roadside Assistance
- Helmet and Safety Apparel
From The Blog
Auto Insurance Resources & Articles
Buying Insurance Online vs. Having Your Own Personal Insurance Agent
We get asked all the time if the online insurance companies are killing our business. In fact, it’s just the opposite. It turns out, a lot of people still prefer friendly, personalized service. And that’s what we provide. What people don’t like is waiting on hold,...