We represent several quality auto insurers, which allows us to shop for the best deal available.

Coverage Available

The information included here is intended to provide a general understanding of automobile coverage. Please refer to your auto policy for specific definitions and descriptions of coverage, as well as any other conditions, limitations or exclusions that may apply.

Bodily Injury Liability Coverage
Protects the insured as the owner or driver of a vehicle for all sums which the insured becomes legally obligated to pay because of bodily injury to an injured third party. This coverage also pays defense costs against legal actions. Bodily Injury Liability limits are usually split with the first figure limiting payments to a single person per accident and the second limiting payment in total for all persons injured per accident.

Collision Coverage
Collision Coverage protects your vehicle against direct and accidental loss by collision with another vehicle or fixed object.

Comprehensive Coverage
Comprehensive Coverage (also known as Other than Collision coverage) is sometimes referred to as fire and theft. A more accurate description is loss to your vehicle caused by other than collision. This includes coverage against perils such as hitting an animal, vandalism, riot, floods, wind and hail, as well as fire and theft.

Extended Transportation Expense Coverage
If your vehicle should be temporarily disabled for more than a day, due to a covered auto accident, this coverage will pay a certain amount per day for up to 30 days, or a maximum of limit toward the cost of a replacement rental car. Common options include $15/$450, $20/$600, $30/$900, $40/$1200 and $50/1500.

Medical Payments Coverage
Medical Payments coverage pays up to a specified amount for injuries sustained by you and covered persons in your vehicle, regardless of who is at fault. Unlike PIP (or no fault) coverage, Medical Payments coverage only pays for medical expenses.

Property Damage Liability Coverage
Similar to Bodily Injury Liability but limited to damage caused by you to another person's property, such as an auto, fence, telephone pole, etc.

Towing and Labor Coverage
If your vehicle is temporarily disabled on the road, it will pay your actual expense up to a limit you select to have your vehicle towed or for roadside labor to repair your auto. Common limits are $25, $50, $75, $100 and $200.

Underinsured Motorist Coverage
Underinsured Motorist Bodily Injury Coverage pays for your injuries up to the policy limit when the legally liable third party has insufficient limits to cover your injuries.

Underinsured Motorists Property Damage protects your property up to your policy limit for property damage that results from an accident with a legally liable underinsured motorist or hit-and-run driver. This coverage is not available in all states, is usually subject to a deductible and can be rejected.

Uninsured Motorist Coverage
Uninsured Motorist Bodily Injury Coverage protects you and the occupants of your vehicle for bodily injury up to your policy limits as a result of an accident with a legally liable uninsured motorist or a hit-and-run driver. In some states this coverage can be rejected.

Uninsured Motorists Property Damage protects your property up to your policy limit for property damage that results from an accident with a legally liable uninsured motorist or hit-and-run driver. This coverage is not available in all states and is sometimes subject to a deductible.

DISCOUNTS AVAILABLE

Available discounts vary by insurance company, but below are some of the more common ones.

Anti-Theft Device Discount

A credit or discount may be available if your vehicle has an Anti-Theft device. Smaller discounts may be given for more passive devices (like alarm stickers on the windows) while bigger discounts may be given for active or disabling devices (like On-Star or similar services).

Driver Training Discount

Drivers who have completed a Driver Safety or Defensive Driver course are often eligible for a small discount. A certificate of completion is usually required at or shortly after binding, or the discount will be removed.

Homeowner Discount

A small discount may be available if you own your home or condo, as opposed to renting or living with a family member.

Monitoring Discount

Some insurers offer discounts if you agree to have a monitoring device installed in your vehicle(s) which will track your driving and relay the information to the company via satellite. This can be a substantial discount, upwards of 25%, particularly if you are a cautious, low-mileage driver who does most of your driving during daytime hours.

Multi-Car Discount

A discount may be available from some insurers if you have more than one car or truck on the same Automobile policy.

Multi-Policy Discount

Combining policies with one insurer is generally the biggest discount available. Amounts and eligible policies vary by insurer, but generally 2-5% is saved per policy for each policy written. So if you combine your home and auto, you could save 2-5% off of each policy. If you place your Home, Auto, Dwelling Fire (rental property), Umbrella, Personal Articles, and a Boat or ATV policy with the same insurer, you could be looking at a discount of up to 12-30%. Again, discounts vary by company.