Auto Insurance

You cannot predict the future, but you can be prepared with auto insurance for the vehicles in your household.

Other Services

Homeowners Insurance

We welcome the opportunity to offer a Homeowner’s insurance quote.

Life & Health Insurance

Ask us about the many options for Life Insurance and Health Insurance.

Commercial Insurance

Protect your business against potential losses through unforeseen circumstances.

Nobody ever thinks it’s going to happen to them. But the simple fact is that a car accident happens every 18 seconds in the United States.

You cannot predict the future, but you can be prepared with auto insurance for the vehicles in your household.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your 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.

F.A.Q.

An Insurance agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim.
I have an older car whose current market value is very low – do I really need to purchase automobile insurance?

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.

It is often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage.

What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

What factors can affect the cost of my automobile insurance?
A number of factors can affect the cost of your automobile insurance – some of which you can control and some that are beyond your control.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you.

Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.