Auto Insurance

Did you know that most of your liability exposure happens when you drive your car?

That makes protecting yourself with Auto Insurance more than just a legal requirement. It’s a vital necessity in your world, and your needs may go well beyond “basic.” When it comes to protecting what you care about most, “one-size fits all auto coverage” just doesn’t cut it.

You need auto insurance that protects you if you are:

• Found to be “At Fault” in an accident.
• You are hit by an uninsured driver.
• You have been the victim of a “hit and run” accident.

We offer quality coverage, convenience, and personalized service far beyond “basic”. It can cover injuries and damages caused by an accident, if you’re legally responsible. However, it goes much further.

Here are the basics:

• Liability Coverage
  There are two types of liability coverage–coverage for Bodily Injury and coverage for Personal Property. If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for someone’s medical expenses, personal injuries, and property damage if you’re at–fault. Otherwise, the other “At Fault” driver’s insurance should pay for your damages.
• Collision Coverage
  If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone poll, Collision Coverage helps pay for the damages to your car.
• Comprehensive Coverage
  If your car is broken into, or dented in a hail storm, Comprehensive Coverage helps cover the losses to your car. Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.
• Uninsured/Underinsured Motorist Coverage
  These days, about 1 in 5 drivers are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider this coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
• Medical Payments
  If you or anyone in your car is hurt in an accident, Medical Coverage can pay for their medical expenses.
• Personal Injury
  If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.

When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage. That’s why we offer you “beyond-basic coverage” options–to help you cover gaps and other unexpected costs.

Let us help you save on Auto insurance:

• Save if you insure more than one car with us.
• Cross Line & Multi Car Discounts when you insure your car and home with us.
• Good Driver Discounts if you”ve been a safe driver?
• Senior Defensive Driver Discounts
• Antique & Show Car Coverage
• Nationwide Roadside Assistance