Auto Insurance

Automobile insurance is obligatory, but do you have the right auto insurance policy? Our office works with top rated carriers to find the policy that matches your needs and budget. With a broad selection of companies to choose from, we have the ability to be competitive virtually every time. We have beneficial programs for mature drivers, civil employees, young drivers, drivers with tickets and accidents, no prior insurance, SR-22 requests and practically any other situation. Furthermore, we offer policies for motorcycles, classic cars and recreational vehicles as well. If you are looking for extraordinary service, exceptional claims service and real value, you are in the right place. Call us today or fill out a quick quote to assess your exposures and receive a comparison.

 

Types of policies we write:

  • General Auto

  • Classic Cars

  • Motorcycles

  • Recreational Vehicles (motor homes, mounted camper, trailers and more)

 

Basic Coverages Typically Included in an Auto Policy

 

Liability

 

Liability Coverage: This coverage protects you if others make a claim or bring suit against you for damages you do to others (injury) or to property in the event of an accident.

 

Medical Payment Coverage: This coverage helps pay medical expenses for you, your passengers, and any family members driving or riding in the insured vehicle no matter who is at fault.

 

Underinsured/Uninsured Motorist Coverage: This coverage helps protect you from drivers that have little or no insurance by helping to cover injuries and repairs/expenses to your car that they cannot pay for.

 

Vehicle Protection

 

Comprehensive Coverage: Helps pay for damages and costs that are not caused by a collision. Examples of this include vandalism or a storm.

 

Collision Coverage: Helps pay for vehicle repairs in a covered loss if you are involved in a collision.

 

Other Coverages: Many carriers offer other coverages such as rental insurance coverage and coverage for special additions to your vehicle that you have invested in.

 

After an Accident

If you have ever been involved in an auto accident, you know that the minutes and hours to follow can be hectic and nerve-wracking. Here are ten tips to remember in the heat of the moment.

  1. Always try to remain calm.

  2. Look at your surroundings. Do not try to get out of your car if it is not safe to do so.

  3. Check yourself and those in your car for injuries.

  4. Call the police. Tell them where you are, what happened and if there are injuries.

  5. Do not admit fault.

  6. Exchange information with the other drivers involved.

  7. Get names and phone numbers of any witnesses at the scene.

  8. Take photos of the scene, including the damage to all cars.

  9. As soon as you find a moment to, write down your record of events. It may help later on.

  10. If the police respond, find out where to get a copy of the police report for your claim. If the police do not come to the scene, ask police dispatch where you can file an incident report.

 

Other information

 

  • Your Lien holder may have certain requirements. If you are buying a new car or thinking about switching insurers, find out if your lien holder has any requirements. Some banks will require a low deductible. This is important because a lower deductible will cause a higher premium.

  • Generally speaking, Auto Insurance Rates are calculated based on a number of factors including gender, age, driving history and record, marital status, vehicle classification, distance driven and usage of the vehicle.

  • The coverages listed above are general coverages that you will find on most automobile policies. Additional and more specific coverage options may be available upon request.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.

This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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