Better Car Insurance

Shopping around for car insurance can be overwhelming with all the different rates and discount programs available. Allow us to simplify the process by doing the shopping for you.

We'll compare rates and value among some of the highest rating insurance companies in the country. The best part is, we can put you with a company that is tailored to your needs while saving you money by identifying cost-saving discounts that often go unnoticed. This is what having an agent is all about, and we're no exception.

  • Below are some of the basic coverages found in your standard auto policy. Make sure to talk to an agent if you are unsure of the amount of coverage you need.
    • Bodily Injury Liability - This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission. It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
    • Property Damage Liability -This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
    • Collision - This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.
    • Comprehensive - This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.
    • Medical Payments - This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, this extra coverage can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
    • Uninsured and Underinsured Motorist Coverage - This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.