Automobile Insurance is required by law in many states, but there are other reasons why having auto insurance is the responsible decision. With auto insurance you are protected in the event of an accident and you are protected financially.

With the catalog of insurance companies we represent, you are sure to find something that fits your needs. Our insurance companies offer a wide range of auto insurance at fair prices and if you qualify for any of our available discounts the prices could be even better. When applying for auto insurance there are some standard questions you will usually be asked: What dollar amount do you want your deductible set at? Do you want collision and/or comprehensive? What liability limits do you want? Do you want any type of optional coverage?

Knowing how much coverage is right for you and what these terms mean will help when choosing insurance.

• Standard and Preferred Auto Insurance
• High Risk Auto Insurance
• Classic Auto / High Value Auto
• Recreational Vehicles / Boats

Options to consider:

How much coverage do I need?

Choosing the appropriate level of Auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Collision and Comprehensive (other than collision) Coverages

• Collision Coverage – insures you against damage to your vehicle caused during an accident.
• Comprehensive (other than collision) Coverage – insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. With Collision and Comprehensive (other than collision) coverages typically include a deductible. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability Coverage

• Liability Coverage – pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments Coverage

• Medical Payments Coverage – pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist Coverage

• Uninsured/Underinsured Motorist Coverage – pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional Coverage

• Optional Coverage – includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

Check out our HOME INSURANCE and LIFE INSURANCE