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Auto Insurance

WHAT IS AUTO INSURANCE?

Auto insurance protects you against financial loss if you have an accident.  It is a contract between you and the insurance company.  You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability, and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

Remember, most states require certain limits of liability coverage.  Plus, if you are financing an automobile, your lender may require you to carry physical damage coverage in order to protect its collateral.

WHY DO YOU NEED AUTO INSURANCE?

It's really all about protecting yourself financially.

  • If you are in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you are worth.
  • Not only is having insurance a prudent financial decision, but many states require you to have at least some coverage.

Questions to ask one of our agents:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Looking for coverage?  Click the following link to submit a quote for quick, accurate, and affordable rates.

Auto Quote Form Recreational Vehicle Insurance Quote Form


Access customer service forms directly from our website.  Click one of the following policy service options below.

Add Driver to Existing Auto Policy Request ID Card for Auto Policy
Add Vehicle to Existing Auto Policy Request Declaration and Coverages Page for Auto Policy
Add Driver to Existing Recreational Vehicle Policy Request ID Card for Recreational Vehicle Policy
Add Recreational Vehicle to Existing Policy Request Declaration and Coverages Page for Recreational Vehicle Policy
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