Personal Auto Insurance

We provide coverage for most types of vehicles. We also can coordinate your entire insurance program to include your home, business, and other property.


Auto Coverage

Have you ever had a question about your auto insurance? We are here to answer your questions and help you make important decisions to be certain that you are properly protected.

Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. Both yourself and any 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.

Carpooling

Environmental concerns, traffic congestion, convenience, desire to relieve driver stress, poor public transportation, lack or expense of parking are all factors that contribute to commuters forming driver groups or carpools. Parents use such arrangements to transport children to school, sports events, and extracurricular activities. It is also common for a student owning a car to carry classmates back and forth between home and school.

International Coverage

Most personal auto policies provide coverage for driving in Canada. However, we recommend that you check with us before taking your car across the border.

Leasing/Gap Coverages

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You'll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto liability insurance.

Medical Payments (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, personal injury protection, or PIP, 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.

Property Damage

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.

Rental Car

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough.

Trailers

In most cases, if the vehicle pulling the trailer is covered under the policy, the liability coverage will be extended to the trailer if you own the trailer. However, physical damage (comprehensive or collision) must be purchased separately. You will need to review your policy for exceptions. Click here to see a list of all the types of trailers we cover.

Uninsured or Underinsured Motorist

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. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

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Auto Safety

Your safety is our highest priority. Learn how you can make your life safer.

Airbag Safety

Air bags save thousands of lives each year, according to the National Highway Traffic Safety Administration (NHTSA). In frontal crashes, air bags reduce deaths among drivers by about 30 percent and among passengers by 27 percent.

Becoming a Better Driver

It is time to stop pointing fingers. Let's put our hands back on our steering wheels. Regardless who is at fault, the number and severity of accidents and road tragedies are increasing. The only thing that is under your control is your own driving behavior. While you can't predict what another driver is going to do, you can make a stronger effort to make the roads and streets safer.

Breakdown Safety

If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do.

Child Passengers

If you regularly carry young passengers in your auto, have you done everything possible to make sure they're safe? Are you familiar with what is involved in keeping children safe? If you're not, read on for some tips on what's necessary to protect the persons most vulnerable to injuries during car accidents.

Seniors

Most of the problems associated with traffic accidents are often related to extremes in ages of drivers. The biggest concern has always been new drivers. Teens will always cause more than their share of accidents because they don't have the experience or maturity to drive with as much care as they should. But, inevitably, time passes and their driving improves. However, that improvement doesn't last forever.

Teen Drivers

We want to help teens to learn to be safe and to drive safely with articles and videos targeted to both teens and parents. Click the button below to view our Teenage Driver Safety Agreement.

View Agreement

Get a Quote

If you are interested in our Personal Auto Insurance, give us a call or email us today!