Auto Insurance

Auto Insurance

Let us customize a cost-effective plan that best suits your needs

To properly protect yourself, your family, and your assets from liability lawsuits, it’s important to maintain the proper level of coverage for your particular situation.

If you have any questions about what level of coverage is right for you, let us customize a cost-effective plan that best suits your needs.

Auto Coverages Required By Law

  • Liability Coverage
  • Personal Injury Protection (PIP), also called “No-Fault” Coverage
  • Uninsured and Underinsured Motorist Coverage

Optional Coverages

  • Additional Income Continuation and Essential Services Expenses (if you are unable to perform your normal duties due to an accident)
  • Comprehensive (fire, theft, vandalism, water damage, etc.)
  • Collision (damages to your own vehicle)
  • Rental Reimbursement (provides transportation expenses after an accident)
  • Towing and Labor

Contact us today for more information about Auto Insurance or fill out our online quote form.

Frequently Asked Questions

Q: When purchasing automobile insurance, what should I consider?

A: There are several things you should consider before purchasing automobile insurance. Your independent agent is here to help you:

  • Decide which of the various companies your independent agent represents will best suit your individual needs.
  • Select the most cost-effective amount of liability coverage needed in order to protect your assets in case of a loss.
  • Choose optional or additional coverages.

As your independent agent, our job is to make sure that you understand what you’re buying and to get you the best possible price for your insurance dollar. We represent a variety of companies so we can offer you the choice that will serve you best.

Q: What does "no-fault" mean?

A: The term “no-fault” coverage refers to Personal Injury Protection, which is the medical coverage portion of your policy. Also known as PIP, this covers you and any person listed on your policy for personal injuries suffered in an auto accident. This coverage applies even if you are injured in someone else’s vehicle. It’s called “no-fault” because it pays the medical expenses of those listed on the policy no matter who caused the auto accident. The “no-fault” law is part of the reason it’s important to list everyone in your household on your auto policy.

Q: Can I lend my car to a friend or relative?

A: Not unless the person is a licensed driver listed on either your auto policy or their own. In case of an accident, the “no-fault” law would require your policy to pay the medical expenses of the person driving your vehicle if that was the only coverage available. Your insurance company, based on a medical claim by a person unknown to them, could assume this person was an regular, undisclosed operator of your vehicle, and either rate your policy accordingly or cancel it for misrepresentation. In any case, it makes sense not to lend your car to anyone.

Q: What can I do to lower my automobile insurance rates?

A: There are several things you can do that may significantly lower the cost of your automobile insurance. One way is to change your comprehensive and collision deductibles. Raising your deductibles (for example, from $500 to the new standard, $750) can substantially lower the cost of your automobile insurance. If you have a loan or a lease, check with your lender before making any changes; sometimes lenders require certain coverage requirements as part of the contract. Keep in mind that you must be able to pay the deductible amount in case of a claim. You can also ask us about any discounts that you may qualify for. Some examples of discounts that are available include insuring multiple cars under the same policy, having your automobile and homeowners policy with the same insurance company, and long-term customer credits. Many other discounts are available – ask us how to qualify.