Auto Insurance

You’ve got to have it—now what?

You’re required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us.

If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right?

There is a Difference

We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.

Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.

This means you should try to think of your auto insurance as a shield.

Then imagine someone else driving their car right into that shield.

Will it hold?

Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost while keeping your out of pocket expenses minimal. This also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.

We’ll discuss your protection options, recommend appropriate coverage and review discounts you may be eligible for (such as cars with smart technology; better yet, bundling other types of insurance with the same carrier).

What auto insurance covers—and what’s optional...

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

  • Liability - For bodily injury or property damage to others that you are responsible for.
  • Collision - in the event your car is damaged by a collision
  • Comprehensive - if your car is damaged by anything other than collision
  • Medical Payments if you have to pay on an injury for yourself or a passenger
  • Uninsured/Underinsured Motorist Protection—because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it.

But additional protection may include:

  • Emergency Road Service if you are ever stranded in your vehicle
  • Rental Reimbursement/Transportation Expense to cover the cost of a rental vehicle while yours is being repaired in the event of an accident

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy.

We’re your neighbors.  That means we look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let our agents help you protect the things you care about most.

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