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Auto Insurance

  • Personal
  • Business
  • Commercial
  • Leased Vehicles

Multi Car Discount

When you insure 2 or more vehicles on the same policy you can earn a discount. Discount amounts will vary.

Safe Driver Discount

When you and the drivers listed on your policy maintain a good driving record for a certain period of time you will earn a discount. Discount amounts will vary and are automatically applied when you are qualified.

Renewal Discount

When you maintain your coverage for a certain period of time with no lapses in coverage you will earn a discount. Discount amounts will vary and are automatically applied when you are qualified.

About Coverages

Standard Coverages includes:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision/Comprehensive
  • Uninsured & Underinsured Motorist
  • Personal Injury Protection

Bodily Injury covers:

Physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.

Property Damage Liability Covers:

Damage or destruction including loss of use of a Third Party’s property. Reduction in value is the measure of Property Damage.

Collision coverage is:

(a) Impact of an automobile with another object or person outside the vehicle or the upset (overturning) of such vehicle; (b) That coverage which pays for damage to our insured’s vehicle, in the event of the above. This coverage is usually subject to a deductible.

Comprehensive coverage pays for direct and accidental damage to the insured’s automobile, other than that caused by Collision. All losses not specifically excluded are covered and such coverage usually has a deductible.

Uninsured and UnderInsured Motorists coverage is:

That coverage which, in the event the insured is injured in an accident which is the fault of an Uninsured Motorist, covers the Bodily Injury expense of the Named Insured, Relatives and passengers in his/her auto. The coverage is generally written with a per person and per Occurrence limit.

Personal Injury Protection (PIP) coverage is:

PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in No-Fault automobile insurance states.

Optional Coverages includes:

  • Rental Car Reimbursement
  • Towing
  • Loan/Lease Gap Coverage
  • Medical Expenses

Rental Car reimbursment coverage is:

That optional coverage which will reimburse the insured for the expense of renting a vehicle while his/her vehicle is in the shop due to a covered loss. Coverage is usually written with a per day Limit and a maximum number of days per Occurrence. 

Towing Coverage is:

The auto insurance coverage which will reimburse the insured for the expense of towing or repairs at the place of disablement in the event the vehicle becomes disabled. Coverage is written with a per Occurrence Limit.

Loan Lease Gap Coverage is:

In the event of a total loss, the insurer’s actual cash value (ACV) payment may or may not be sufficient to pay off the loan or lease. With this coverage, the carrier will pay additional funds needed to end the contract.

Medical Expense Coverage is:

An optional auto coverage which pays for the medical expenses of the Named Insured, members of his/her family, and passengers of his/her car if injured in a Collision accident. The Named Insured and Relatives are also covered if struck as a pedestrian. This coverage is Excess to any other medical insurance. 

Coverage Levels

Every individual or family has a unique set of conditions.  That’s why we provide three levels of coverage with our quotes. (Minimum, Average, and Best Coverage Options)