There's more to it than saving 15%
You Get What You Pay For
Every Insurance company in the business will tell you that they can save you money on your car insurance.
What they often don't tell you is how that savings could cost you thousands of dollars in the event of a claim.
As an independent agency, we have access to many excellent companies with some of the best rates around. We evaluate your specific situation, and then match you with the best company for your individual needs.
We strive for the best coverage at the best price every time!
Coverage & Limits to Consider
Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
The liability limits selected should be high enough to shield your personal assets (property, savings, investments, etc.)
Having inadequate liability limits can lead to financial ruin if you are held liable for an accident. All of your assets and even future wages could be at risk.
Covers the costs to repair or replace your damaged or destroyed vehicle after an accident, minus your deductible.
The collision deductible you choose can have a significant impact on the amount you pay each month vs how much you'll pay in the event of an accident.
A higher deductible will lower your monthly cost, but will leave you with higher out-of-pocket expenses after an accident.
Also known as "other than collision," this covers damage to your vehicle from hazards like animal collision, hail damage, and other forms of weather related damage.
Like collision coverage, the deductible you choose can have a significant impact on how much you pay each month vs out-of-pocket expenses.
Your comprehensive deductible can often be different than your collision deductible. Contact us to find out more.
Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
Pays a certain amount daily, up to a specified total amount for a replacement vehicle if yours is in the shop for repairs.
There are usually several limit options available for this coverage, so it's important to discuss this with your agent to make sure you have the limit you desire.
Typically comes in two forms - Towing reimbursement only and roadside assistance.
Towing Only- Reimburses you for the cost of having your vehicle towed, up to a total specified amount.
Roadside Assistance- This coverage varies greatly from company to company, but usually provides a more comprehensive towing solution, battery jump start, and emergency lock-out services. Talk to your agent to find out your company's specific roadside assistance program.