There are many facets to auto insurance including coverages, limits, deductibles, and which insurance companies are the best fit for you.  As independent agents, we will work with you to devise the best possible strategy for your circumstances, then determine which of our providers offer the most competitive premiums.

 

We understand how important your vehicles are, and the value of having them properly covered.  Accidents, theft, and vandalism can be financially devastating if you do not have the right coverages in your auto policy. Contact us today so we can begin helping you. We are here to help you protect your family and your valuables.

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What is auto insurance?

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We will work with you to find the best coverage for you.

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Are you meeting your state’s minimums?

We can help make sure that you are. Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.

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• Liability coverage – to pay for losses you cause others, or:

• No-fault coverage – to pay for you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or:

• Both liability and no-fault coverage.

 

And, to finance a car, it is usually necessary to have insurance which covers damage to your vehicle. These coverages include:

Collision Insurance – Pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with a deductible. This is the amount of money you pay toward repairs before your collision insurance kicks in. The higher deductible you are willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (aka – Other than Collision) – Pays for damage done to your car in some way other than a collision, such as theft or vandalism. Flood, hurricane, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

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One size does not fit all.

Since every situation is unique, your insurance portfolio should also consist of a unique blend of coverages, limits, deductibles, and premiums. With our individualized approach, you receive a portfolio as unique as you.

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There when you need us.

Rest assured that when you have a claim, you are not alone. Not only do we counsel you about your claim, we are also your advocates. Request your free, no obligation insurance review today!

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We write insurance in Arizona, California, Colorado, Idaho, Illinois, North Carolina, New Mexico, Nevada, Pennsylvania, Utah, Washington, and Wyoming.