For some people, a car expresses the essence of their being. 
To others, it's an object to get from point A to point B.

Whether your car is your "baby", or just the way you get to work every day, it's going to need insurance coverage. We offer a variety of coverage and companies to choose from based on your specific needs. If you aren't sure what exactly your needs are, our friendly and knowledgeable agents are here to help explain the details and find the coverage that is best for you. You can be assured that the insurance company we select will provide you with the best coverage available while offering a fair price and quality service.

Auto insurance can be your largest annual insurance expense. Therefore, we suggest you review your coverage regularly so you get the best applicable coverage at the best price possible. 

The following are some of the primary types of coverage included on most automobile policies:

• Liability
  • This coverage protects you for the legal liability you incur due to an accident that involves injury or damage to property.
• Physical Damage
  • Comprehensive
    • This covers your auto in the event of damage caused by fire, theft, vandalism, or animal.
  • Collision
    • This covers your auto in the event of damage caused when you collide with another object such as other motorized units, trees, and a variety of other items.
• Medical Payments
  • Medical bills related to an auto accident would be paid up to the coverage limit listed
• Uninsured/Under Insured Motorists
  • This coverage is paid to the policy holder for lost wages and medical treatments you would have received from the other party if they would have had a policy in force. This usually occurs when the other party in the accident is legally liable due to their actions.
• Other optional coverage applicable to the specific unit to be insured, such as roadside assistance, rental reimbursement or full glass

The following discounts may be available depending on the company you choose:

• Being a good driver (claim and accident free)
• Being a good student
• Having a homeowners policy with your auto carrier
• Multi-car discount
• Senior operator accident prevention course credit
• Being a distant student without a car
• Anti-theft device credits

Other advantages you could enjoy

• 24-hour claims hotline
• Flexible payment options

Special coverages we would suggest:

• Full glass coverage to eliminate your comprehensive deductible in case of a windshield loss
• Liability limits no less than $100,000/$300,000 for bodily injury and uninsured/underinsured motorists coverage
• Towing and labor coverage, or roadside assistance
• Auto loan/lease coverage which pays the difference between your loan/lease balance and the actual cash value of the auto at the time of loss
• Rental car reimbursement which provides you with a dollar value per day to rent a car while your vehicle is being repaired due to a covered loss. This coverage has a daily limit with a maximum limit which is typically calculated on thirty day use.

Custom parts and equipment

This coverage is applicable to equipment, devices, accessories, enhancements and changes other than those which the original manufacturer installed, which alter the appearance or performance of the unit. This includes:

• Plows or deer guards
• Van conversions
• Pickup toppers
• Special wheels and tires
• Electronic equipment such as GPS units, radios or other devices which are permanently installed on the unit
• Customization features including visors, wheel fans, running boards and other changes/additions to the originally manufactured unit

Classic Autos

If you have an antique, classic or hot rod you should have it insured under a specific program that recognizes the special characteristics and value that the vehicle might have. Our classic auto policies provide special coverage for these types of automobiles, with many options available depending on how you use your classic auto (for occasional errands, at car shows only, etc). To qualify for special programs the vehicle must have limited use (not your daily driver) and will require special underwriting prior to providing coverage, but the policies provide a great value at an affordable price.