Enjoy the ride and feel confident that you’re protected.
Think of your auto insurance as an invisible shield. It follows you around and keeps you and your loved ones safe while you’re out on the road.

Whether you’re on the way to work or picking up the kids from soccer practice, every time your tires hit the pavement, you’re exposed to the dangers of driving.
That’s why having the right car insurance is so important.
Car insurance can vary from state to state but the coverages below are standard in most states. If you want to know the requirements in your state, give us a call.
What to Cover
Auto liability insurance is required by state law and protects your pockets when you’re responsible for someone else’s injuries and damages to his/her vehicle. This responsibility means that your insurance will pay for another driver’s damaged vehicle and any medical bills, if applicable.
Comprehensive coverage – This means any event that is beyond your control such as vehicle fire, theft, glass breakage, etc., is covered after a deductible is applied.
What is a deductible? We’re glad you asked! This is the amount of money you agree to pay out of pocket before your insurer pays the rest.
Collision coverage – This pays to repair or replace your damaged vehicle, regardless of fault. There’s also a deductible with this one- FYI. If you need a rental car while yours is in the shop, this will also pay for that.
Uninsured/underinsured bodily injury – This pays for injuries sustained by you and your passengers (depending on your policy limits) if you are injured in an accident and that driver has little to no insurance.
Uninsured/underinsured motorist – This pays to repair or replace your vehicle (up to your policy limits) if you’re hit by another driver with not enough insurance or none at all.
Medical payments – This pays for medical and funeral expenses (up to your limits) if you’re involved in an accident. Medical payments can also cover your family members or other passengers, regardless of fault.
Additional Coverages
Roadside assistance – This may be something you want to add to your policy if you’re someone who likes to gamble with the “low fuel” light. Whether you’re stranded in your vehicle and need a tow, locked out, or just ran out of gas, this coverage is there to save the day.
New car replacement insurance – If your car is totaled, new car replacement insurance will give you money for a brand-new car of the same make and model (minus your deductible) instead of the depreciated value of your totaled car.
Gap insurance – Also known as loan/lease payoff. This is an optional auto insurance coverage that applies if your car is stolen or deemed a total loss. When your loan amount is more than your vehicle is worth, gap insurance coverage pays the difference.
For example, if you owe $25,000 on your loan and your car is only worth $20,000, your policy’s loan/lease payoff coverage covers the $5,000 gap, minus your deductible.
Diminishing deductible – Sometimes called a “vanishing” or “disappearing” deductible, is an additional coverage that rewards you for being a safe driver. As you continue to avoid car accidents and maintain a clean driving record, the amount of your deductible will decrease by a certain amount, depending on your car insurance company.
Our Promise
to You
We’ll show you coverage options, recommend the limits that fit your needs, and make sure you’re receiving all the discounts you are entitled to. Who doesn’t love getting a discount?
Auto insurance can be more complex than most initially think. But don’t worry! We’re here to help break it down to ensure you know exactly what you are buying. We pinky promise.
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