To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
Compulsory Auto Policy Coverage
• Bodily Injury to Others
• Personal Injury Protection
• Bodily Injury Caused by Uninsured Auto
• Damage to Someone Else's Property
• Optional Bodily Injury to Others
• Medical Payments
• Substitute Transportation
• Towing and Labor
• Bodily Injury Caused by an Underinsured Auto
Frequently Asked Questions
When purchasing automobile insurance what should I consider?
There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:
Purchase the amount of liability coverage which makes sense for you.
Select the optional coverages you want.
Decide which company to purchase insurance from.
Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.
Does my insurance policy cover a friend if I loan him/her my car?
What is collision physical damage coverage?
What is comprehensive physical damage coverage?
How can I lower my automobile insurance rates?
One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.
Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.
The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Basic Protection You Need For
• Your home
• Other buildings or structures on your property
• Your personal belongings - furniture, clothing, appliances, etc.
• Additional living expenses
• Your personal legal liability
Special features you can choose for additional security
• Home Replacement Guarantee
• Replacement Cost on Contents
• Additional Coverage Form
Frequently asked questions