Automobile insurance is one of the most important and complex forms of insurance on the market today. We understand the right coverage is important to you and that in the event of a claim you expect prompt and dependable claims service. Let us help find the right product with a company you can trust....Our agents have over 35 years of experience in the business.
Please call us at 866-415-1255 to discuss your insurance needs or submit an on-line request.
Items to consider in regards to Auto Coverage:
Would my liability limits be adequate enough to pay for all the damages resulting from an at fault accident? Soaring medical costs, aggressive attorneys and a person's willingness to sue are driving up injury settlement amounts. Your personal assets are at risk if the liability limits do not cover all of the damages.
Should I still carry physical damage coverage on my vehicle? This is an individual decision based on the premium savings you would receive versus the value of the vehicle. You are not obligated to carry physical damage coverage if there is no loan on the car.
What deductibles should I carry? Once again this is an individual choice based on the amount of money you are willing to contribute should you experience a physical damage loss. The higher the deductible, the lower the premium.
Do I need rental car coverage? If you were involved in an accident, either at fault or not at fault, would you have another vehicle to borrow while yours is being repaired? If not, then rental reimbursement is a necessary coverage.
What is the primary use of your vehicles? There are different rate structures based on pleasure use, commuting to work, farm use or business use.
Are any of your vehicles furnished for the regular use of a person that is not a member of your household? There are coverage restrictions within most auto insurance policies for this type of situation.
Are you receiving all of the discounts you are entitled to? Depending on the company, there are reductions in premium for airbags, security systems, good driving records, good student, multiple policies, mature age, advanced purchase and prior insurance.
Do I need additional coverage for personal property in my vehicle that is damaged or stolen? Depending on the company, there are restrictions and/or exclusions for uninstalled electronic equipment and their related accessories.