Auto Insurance

Auto insurance has become one of the most highly advertised commodities on television, radio, and the internet. Some claims go as far to say they have the best rates and can “help you in 15 minutes or less.” The question is: what type of policy will you have and who will be there to help you if you have a claim or need to make changes? Our agency will give you a quote based on your needs allowing you to make an informed decision and ensuring you are properly protected. We offer coverage through several highly rated companies and can get you the right coverage, at the right price.

Call or stop by today and let us offer you the peace of mind that comes with the perfect policy.

Auto Liability Insurance (Bodily Injury & Property Damage)

While driving through a neighborhood, you reach to change the radio channel and take your eyes off the road. The car in front of you stops suddenly to avoid a dog running in the street. You rear end the vehicle and the driver has damage to their car and is claiming injuries. Liability coverage will pay to fix the other car and cover any of their medical bills resulting from your negligence. If you don’t have the proper coverage, your assets and future income could be at risk.

Collision Coverage

A deer jumps in front of your car and you swerve to avoid contact. Your car slides off the road and collides with a tree. Collision coverage will pay to repair your vehicle, less a deductible that you choose.

Comprehensive Coverage (Other than collision)

While parked outside your office, a strong wind knocks a tree over and dents your car. Comprehensive coverage pays to fix the damage, less your deductible. This and other perils such as fire, theft, and vandalism are all covered under comprehensive.

Un-insured/Under-insured Coverage

A driver runs a red light and hits your vehicle, causing damage and injury to you. After the accident, you find out that the other driver did not have any liability insurance. Uninsured and Underinsured coverage will pay you to repair your vehicle and cover any medical expenses incurred. Typically, UM will mirror your Liability coverage.

Medical Payments

While driving home after work, you lose control of your car and hit a guardrail; you suffer minor injuries and incur medical bills. Your health insurance will cover the expenses, but you have a $3,000 deductible to satisfy. Medical payments will help cover any costs not covered by your health insurance.

Additional Coverages

Towing and Labor

Pays you a fixed dollar amount to help offset the cost of towing for mechanical breakdown or any roadside assistance.

Rental Reimbursement

Pays you for the expense of renting a vehicle if your car is being repaired after being involved in a covered claim.

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