Auto Insurance

What affects your auto insurance rates

  • How you use your car – drive to work, use in a business, for deliveries…
  • Accident involvement
  • Moving violations
  • Where you live
  • Age of licensed drivers
  • Claims history

What earns reductions in premiums

  • Alarm systems
  • Clean driving records
  • Anti-Lock brakes
  • Air bags & Automatic seatbelts
  • Being Claims Free
  • Being a Homeowner
  • Packaging policies

Bodily Injury Liability
protects you against damages for which you may be held legally liable if your car injures or kills someone else.

Property Damage Liability
protects you against damages for which you may be held legally liable if your car damages the property of others.

Medical Payments Coverage
pays for medical or funeral expenses for you and others injured or killed while riding in your car regardless of who is at fault.

Uninsured Motorist Coverage
pays for damages caused by bodily injury to you and your family when the damages are the fault of another driver who has no bodily injury liability insurance.

Comprehensive
or sometimes referred to as “other than collision”. This coverage provides fire, theft, vandalism, windstorm, hail, smoke, explosion, glass breakage, and animal collision.

Collision
provides protection for your covered auto if you collide with anything other than an animal. Higher deductibles saves you money on all your physical damage coverages.

Towing & Labor
provides reimbursement of expenses incurred by you for towing charges or labor performed at the scene of an accident or breakdown.

Rental Reimbursement
provides reimbursement of expenses incurred by you for a replacement vehicle while yours is under repair for any loss covered by your physical damage.

Automobile Death &/or Dismemberment
provides coverage for any named insured as a driver, passenger or pedestrian subject to the limits on the policy.

Gap Coverage
allows your contract to pay the balance owed on any leased or financed vehicle, regardless of the ‘payoff’ amount.