Auto Insurance

We're driven to keep you covered on the road!

We’re driven to keep you covered on the road. Our auto insurance policies are designed to cover your individual needs when it comes to you and your vehicle, as well as protect you from a variety of other unforeseen risks. No matter where you’re headed, we want you to have the peace-of-mind for the journey ahead

What is Auto Insurance?

Car insurance protects you from financial liability in incidents involving your vehicle. It has two major benefits. First, it can help save you from costs involved with bodily injury (medical costs).

Second, it covers property damage to both you and your property, and other people involved in the accident if you’re at fault. Car insurance is required in most states and it is illegal to operate a car without it.

How Car Insurance Works.

Some people are hesitant to file a car insurance claim, fearing that their premiums will increase even if they aren’t at fault. However, this isn’t necessarily true, and an insurance company will look at the damage involved and who is responsible for the accident before deciding whether or not a claim results in a rate increase. If you find yourself in an auto accident, whether it’s a fender bender or your car is totalled, exchange insurance information with any involved parties. Even damage that looks cosmetic may have comprehensive damage that you can’t see, so youshould file a claim.

What changes between each state’s auto insurance requirements is how much of each type of coverage is needed. Both bodily injury and property damage liability coverage is required in almost every state, and some states require personal injury protection and uninsured motorist coverage as well. Each state also has its own minimum liability limits, presented as bodily injury limit for a single person, bodily injury limit on the entire accident, and property damage limit.

Is Car Insurance Worth it?

Besides being legally required in almost every state, auto insurance is an incredibly important part of your financial safety net. The average car insurance claim in 2013 was over $15,000 for bodily injury and over $3,200 for property damage. Car insurance is there to cover medical bills, vehicle repair or replacement, and keeps you off the hook for injury and damage liability for others. Your premiums will go up if you cause an accident, but that’s better than the alternative.

What Car Insurance Covers

In general, car insurance covers damage, vandalism, and theft of your vehicle. But what any specific auto insurance policy will cover depends on the coverage type(s) you have. Each car insurance policy is made up of at least one of the following:

  • Liability insurance: Doesn’t cover your vehicle, but covers damage you cause to others in an accident. It is made up of bodily injury (BI) and property damage (PD).
  • Collision and comprehensive insurance: Collision insurance covers your vehicle in case of a collision; comprehensive insurance covers your vehicle in the event of anything else (theft, vandalism, etc).
  • Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other damages. It’s required in “no-fault” states because it pays regardless of legal liability.
  • Uninsured/underinsured motorist insurance: If you’re in an accident with an uninsured driver and they’re at fault, uninsured motorist insurance means you’ll still be covered. Like liability insurance, bodily injury and property damage are covered here, but for you instead of the other driver.

No-fault states are states in which drivers can file a claim with their insurer regardless of which driver is at fault.

What Car Insurance Covers.

In general, car insurance covers damage, vandalism, and theft of your vehicle. But what any specific auto insurance policy will cover depends on the coverage type(s) you have. Each car insurance policy is made up of at least one of the following:

  • Liability insurance: Doesn’t cover your vehicle, but covers damage you cause to others in an accident. It is made up of bodily injury (BI) and property damage (PD).
  • Collision and comprehensive insurance: Collision insurance covers your vehicle in case of a collision; comprehensive insurance covers your vehicle in the event of anything else (theft, vandalism, etc).
  • Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other damages. It’s required in “no-fault” states because it pays regardless of legal liability.
  • Uninsured/underinsured motorist insurance: If you’re in an accident with an uninsured driver and they’re at fault, uninsured motorist insurance means you’ll still be covered. Like liability insurance, bodily injury and property damage are covered here, but for you instead of the other driver.

No-fault states are states in which drivers can file a claim with their insurer regardless of which driver is at fault.

What Car Insurance doesn’t cover.

Car insurance doesn’t cover the cost of regular maintenance for your vehicle, like getting an oil change or new tires. It also won’t cover the cost of belongings in the car; if your golf clubs are stolen from your back seat, you’ll need to rely on homeowners insurance or renters insurance . Items installed in the car (like the radio) are covered.

What is Web Development?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.

What is App Development?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.

What is SEO Optimization?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.

What is Web Development?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.

What is PCC Advertising?

At their core, keywords are one of — if not the most — single important component of a successful SEO campaign. Keywords refer to the words typed into a search box – be it on Google, Bing, or Yahoo. However, there is much more to keywords than just that.

The keywords typed into a search box reveal certain details about customers and how they go about searching for things. Knowing this, it’s important to target keywords that mimic your customer’s minds and search tendencies.

What Car Insurance doesn’t Cover

Car insurance doesn’t cover the cost of regular maintenance for your vehicle, like getting an oil change or new tires. It also won’t cover the cost of belongings in the car; if your golf clubs are stolen from your back seat, you’ll need to rely on homeowners insurance or renters insurance . Items installed in the car (like the radio) are covered.

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