Insurance Services Since 1920
Personal Insurance: Automobile
What We Offer
Comprehensive Auto Insurance Coverage
Bodily Injury Coverage, Property Damage, Uninsured/Underinsured Liability & Property Damage, Medical, Comprehensive & Collision
Protecting your toys -- We provide coverage for motorcycles, RV's, watercrafts, snowmobiles, ATVs, motorhomes and trailers.
Classic Car Policies
We insure antique, classic, exotics, replicas, and custom cars & trucks.
• Questions & Answers •
What is auto insurance, and why do I need it?
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Almost every state requires a driver to carry the minimum amount of insurance. If you are uninsured and have an accident where you are at fault, you will be responsible for all damages, which can be financially devastating especially if a lawsuit is filed against you and won.
When purchasing auto insurance what should I consider?
minimum liability limits of 100/300/100, optional coverages - rental reimbursement coverage, towing coverage, coverage from an "A" rated company.
Should I purchase the insurance when I rent a car?
We recommend you purchase coverage through the rental car company due to possible gaps in coverage.
What is collision coverage?
Collision is the loss you incur when your vehicle collides with another vehicle or object like a telephone pole.
What is comprehensive coverage?
Insures vehicle against loss by fire, theft, hail or other physical damage hazards, including glass breakage.
How can I lower my auto insurance rates?
There are several things you can do to lower the cost of your automobile insurance.
• One way is to raise your deductible, this could lower the cost of your auto insurance almost 10%.
• You can also look for discounts that you may be entitled to. Examples include: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations, and good student discounts and driver improvement courses are offered by some companies.
• Look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that you're getting adequate coverage.