Auto Insurance Request a Quote You’ve got to have it—now what? Every state requires that you meet financial responsibility requirements through insurance, a bond or some other approved means that show you are able to pay if you cause damages to another person or property in an automobile accident. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us.If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right? There is a Difference We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.Because while most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you.(For example: making sure you have maximum medical coverage in case you hurt someone else; or making sure you’re not overpaying for duplicate medical coverage you already have; or whether you want access to a rental car while your car is in the shop.)We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive. What’s insurance for, anyway? Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.This means you should try to think of your auto insurance as a shield.Then imagine someone else driving their car right into that shield.Will it hold?Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to (such as cars with daytime running lights; better yet, bundling other types of insurance with the same carrier).And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile. What auto insurance covers—and what’s optional... Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections, with some coverage mandated by state law:Liability - in case you are found at faultCollision - in the event of your car is damaged by a collisionComprehensive - if your car is damaged by anything other than collisionPersonal Injury protection (PIP)-It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident. PIP has two parts — coverage for the cost of medical treatment and reimbursement such as lost wages due to an auto accident. Additional protection may include:Medical Payments if you have to pay on an injury for yourself or a passengerEmergency Road service if you are ever stranded in your vehicleUninsured Motorist Protection—because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it. Why We're Different You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build. Request a Quote Name Email Address Phone Question Thank you! Oops!