Knowing wat type and how much coverage you need for your Auto Insurance seem complicated.  Our goal is to provide you with the information necessary to make a wise informed decision.  

Various auto insurance options include:

• Bodily Injury and Property Damage to Others resulting from an accident in which the insured is at fault.
• Medical Insurance for the driver and passengers in an insured vehicle that incur medical expenses as a result of a covered accident regardless of fault.
• Bodily Injury and Property Damage Caused by other Uninsured and Underinsured Motorist during an accident in which you were not at fault or a hit-and-run incident.
• Collision Coverage insures the policyholder from loss during a collision with another vehicle or object.
• Comprehensive Coverage is protection for the insured vehicle from damage and loss resulting from incidents other than collision.
• Roadside Service for towing and other roadside assistance.
• Rental Reimbursement for the expense of a rental car when an insured vehicle is disabled due to a covered loss.

Additional coverages or options:

• New vehicle replacement
• First accident forgiveness
• Disappearing deductibles
• Auto loan/Lease Gap coverage
• Non-owned vehicle coverage
• Original parts replacement

What factors affect auto insurance rates?

• Garaging address – county and zip code statistics
• Drivers – age, driving records (3-6 year history), claims (3-5 year history), credit quality
• Vehicles – type, age, safety features, likelihood of theft, replacement value, purchase price
• Usage – assigned driver, occupation, mileage driven to work and how often, annual mileage
• Coverages – limits, deductibles, prior carrier (length of time with and limits)
• Payment plans – paid in full, monthly installments, drafts
• Multi-policy discounts – having more than one policy with the agency and/or carrier.
• Some factors are impersonal and carrier related.