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VEHICLE INSURANCE

Vehicle insurance protects you from financial disaster in the event of an accident. 
Scroll down to find out more about the types of vehicle insurance we offer and get a free no obligation quote. 
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AUTO INSURANCE
Auto insurance protects you against financial loss in the event of an accident.
It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 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.  

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of the above coverage.

If you’re financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Determining how much RV insurance you need to carry beyond state requirements is important. Assuming that you own your RV and are under no obligations with a lender to carry otherwise mandated coverage's, here are a few things to mull over that may help you determine how much coverage to buy.

  • Where do you keep your RV when it’s not in use? If you don’t store your RV in a secure location, you could be exposing it to the risk of theft. In this case, consider carrying enough insurance to cover your losses if your RV is stolen or broken into and your belongings are taken. Another thing to consider is your RV’s exposure to weather and natural disasters. Even if you keep your RV safely stored away from the elements, there’s always the possibility it could be damaged or destroyed by a fire, a storm or another covered peril.
  • How much is your RV worth? Unlike cars, which depreciate in value quickly, RVs can carry their value for much longer. If your RV was lost or seriously damaged, would you suffer a serious financial hit? Keep this in mind when deciding whether to get comprehensive or collision coverage.
  • What’s the value of the belongings you keep in your RV? If you’re a tech connoisseur, it’s likely you may have a premium sound and video system installed in your RV. 
  • Likewise, no RV would be complete without a mini-fridge, stove and microwave oven. Take note of the value of the belongings that are kept inside of your RV at all times and factor these into deciding whether to take out a comprehensive policy to protect you against a covered loss.

MOTORCYCLE INSURANCE

You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
  • If you’re in an accident or your motorcycle is stolen, it costs money – often a lot of money – to fix or replace it.
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What’s the process for filing and settling a claim?

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BOAT & PERSONAL WATERCRAFT INSURANCE

You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:Auto insurance provides property, liability and medical coverage:
  • If you’re in an accident or your watercraft is stolen, it costs money – often a lot of money – to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  •Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.

RV INSURANCE

Determining how much RV insurance you need to carry beyond state requirements is important. Assuming that you own your RV and are under no obligations with a lender to carry otherwise mandated coverage's, here are a few things to mull over that may help you determine how much coverage to buy.

  • Where do you keep your RV when it’s not in use? If you don’t store your RV in a secure location, you could be exposing it to the risk of theft. In this case, consider carrying enough insurance to cover your losses if your RV is stolen or broken into and your belongings are taken. Another thing to consider is your RV’s exposure to weather and natural disasters. Even if you keep your RV safely stored away from the elements, there’s always the possibility it could be damaged or destroyed by a fire, a storm or another covered peril.
  • How much is your RV worth? Unlike cars, which depreciate in value quickly, RVs can carry their value for much longer. If your RV was lost or seriously damaged, would you suffer a serious financial hit? Keep this in mind when deciding whether to get comprehensive or collision coverage.
  • What’s the value of the belongings you keep in your RV? If you’re a tech connoisseur, it’s likely you may have a premium sound and video system installed in your RV. 
  • Likewise, no RV would be complete without a mini-fridge, stove and microwave oven. Take note of the value of the belongings that are kept inside of your RV at all times and factor these into deciding whether to take out a comprehensive policy to protect you against a covered loss.
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SR-22

An SR-22 is often required for a driver to reinstate or maintain their driving privileges after certain traffic-related offenses. It’s also sometimes known as an SR22 or a Certificate of Financial Responsibility. 


IS IT A TYPE OF CAR INSURANCE?

No. It’s a document that the insurance company sends to the state (electronically or on paper) to confirm that the driver has an active policy that meets state liability requirements.

ARE SR-22S EXPENSIVE?

The SR-22 itself is not typically very expensive. Though it varies by state, most insurance companies charge a processing fee of around $15 to $25. Some insurance companies won’t insure drivers who need an SR-22, or may add surcharges to the policy because of the SR-22 requirement, but that’s not generally the case. Since SR-22 availability and fees can vary by company, this might be a good time to shop around and get some comparison quotes.
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Browse frequently asked Vehicle Insurance questions below.

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Why Do You Need Auto Insurance?


 It’s really all about protecting yourself financially


  • If you’re in an accident or your car is stolen, it costs money – often a lot of money – to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage


Questions to Ask Your Agent

Your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:


  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company’s level of service and ability to pay claims?

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

CONTACT FORM

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