Best Coverage, Competitive Rates, Superior Customer Service
We are an Independent Insurance Agency so we can shop around to get you the best Auto Insurance rates and coverage to fit your needs and budget. We offer polices from multiple companies such as Progressive, Travelers, Safeco and Trexis. Looking to insure your Classic or Antique Auto? We can help!! Give us a call today or use the form on this page to get a Free, No Obligation Quote.
Auto Insurance Basics
Auto insurance protects against financial loss in the event of an accident. It is a
contract between the policyholder and the insurance company. The policyholder
agrees to pay the premium and the insurance company agrees to pay losses as
defined in the policy.
Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to, or theft of, the car.
Liability coverage pays for the policyholder’s legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most states require drivers to have auto liability insurance before they can legally drive a car. (Liability insurance pays the other driver’s medical, car repair and other costs when the policyholder is at fault in an auto accident.) All states have laws that set the minimum amounts of insurance or other financial security drivers have to pay for the harm caused by their negligence behind the wheel if an accident occurs. Most auto policies are for six months to a year.