Coverage Overview
Our auto insurance policies provide comprehensive protection for your vehicle, yourself, and others on the road. Here's what's typically included:
PIP (Personal Injury Protection)
PIP coverage helps pay for medical expenses, lost wages, and other costs if you or your passengers are injured in an accident, regardless of who's at fault. This is required in some states and optional in others.
Liability Coverage
Protects you if you're responsible for an accident. It includes:
- Bodily Injury Liability: Covers medical expenses and lost wages for others injured in an accident you cause
- Property Damage Liability: Covers damage to other people's property (vehicles, buildings, etc.)
Collision Coverage
Pays for damage to your vehicle if you collide with another vehicle or object, regardless of who's at fault. This coverage typically has a deductible.
Comprehensive Coverage
Protects your vehicle from non-collision incidents like theft, vandalism, fire, hail, falling objects, or hitting an animal. This coverage also typically has a deductible.
Additional Coverage Options
- Rental Reimbursement: Helps pay for a rental car while your vehicle is being repaired after a covered claim
- Roadside Assistance: Towing, battery jump-starts, flat tire changes, and lockout services
- Towing Coverage: Covers towing costs if your vehicle breaks down
- Gap Insurance: Covers the difference between what you owe on your car loan and the car's actual value if it's totaled
Young Driver Options
We offer specialized coverage and discounts for young drivers, including good student discounts, driver training discounts, and safe driving programs that can help reduce premiums.
Why Choose Us
- Licensed for Personal & Commercial Auto: We can cover both your personal vehicles and commercial fleet
- Fast Quotes: Get a quote quickly, often within the same day
- Discounts Available: We help you find all eligible discounts including:
- Multi-vehicle discounts
- Bundling with home insurance
- Safe driver discounts
- Safety feature discounts (anti-theft, airbags, etc.)
- Good student discounts
- Defensive driving course discounts
- Multiple Carrier Options: We work with several insurance companies to find you the best rates
Required Information
To get an accurate auto insurance quote, we'll need the following information:
- Driver Information: Names, dates of birth, and license numbers for all drivers
- Vehicle Information: Make, model, year, and VIN for each vehicle
- Mileage: Annual mileage and primary use (commuting, pleasure, business)
- Driving History: Any accidents, tickets, or violations in the past 3-5 years
- Current Policy: Details about your existing auto insurance (if applicable)
- Coverage Preferences: Desired coverage limits and deductibles