Personal Auto Insurance for Your Vehicle

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Always drive protected with personal auto insurance

Whether you live in a big city or in a rural area, you need insurance on your vehicle. From highways packed with people to slippy backroads, accidents can happen at any time. You can control how you drive and behave on the road, but you can't control other drivers or the circumstances around you. It's absolutely a necessity to protect yourself and your bank account in the event of an accident.

We have many choices for auto insurance coverage. This allows us to show you all your options and choose what fits best.
Cover liability charges

Cover liability charges, medical expenses, and repairs

Meet state insurance requirements

Meet state insurance requirements

Get a custom plan

Get a custom plan that's right for you

What is personal auto insurance

What is personal auto insurance?

Personal auto insurance is coverage for your personal vehicle in the event an accident occurs. Depending on the plan, you can get coverage no matter who's at fault and when you're the only one insured.

If an accident occurs, personal auto insurance is meant to protect your personal assets. It can provide funds to fix your vehicle, pay for medical expenses, or pay for liability charges if you are found responsible for the accident. The policy can step in to offset the costs associated with things like:

 
  • Liability lawsuits
  • Repairs to damaged property
  • Medical expenses for yourself or others
  • Rental car replacement
  • Windshield repair
  • Towing
  • Roadside assistance

What are coverage options for personal auto insurance?

When it comes to having or not having auto insurance, you must be covered; every state requires some type of auto insurance. But, you do have choices on the type of coverage you have.
 
  • Bodily injury liability: Covers injuries to other people and damage to others’ property when you are in an at-fault accident.
  • Medical payments: Coverage for yourself or your passengers regardless of fault in an accident.
  • Property damage liability: Covers damage you may cause to someone else’s property. This is usually another vehicle, but can also be buildings, lamp posts, telephone poles, fences, or other structures your vehicle may hit.
  • Collision coverage: Pays for damage to your vehicle in event of an at-fault accident. This coverage will pay to fix your vehicle once your deductible is met.
  • Comprehensive coverage: Pays for damage to your vehicle due to theft or damage caused by something other than a collision with another car or object. For example, fire, hail, explosion, earthquake, wind damage, flood, or vandalism would all be perils covered under comprehensive coverage. When involved in an accident with wildlife, this would typically be covered under your comprehensive coverage.
  • Underinsured or uninsured motorists coverage: Offers you protection if you are involved in a not-at-fault accident with someone who has no insurance or not enough insurance to cover your injuries. Also, this coverage extends protection when someone causes the accident and flees the scene.

Other coverage options for your personal auto insurance include:
 
  • Optional coverages
  • Windshield replacement with no deductible
  • Towing
  • Rental car coverage
  • Roadside assistance
  • Loan and Lease Gap Coverage

Minimizing the cost of personal auto insurance

The benefits of personal auto insurance aside, you can't be blamed for wanting to reduce your payments. Fortunately, personal car insurance comes in a variety of different forms with customizable coverage terms. Our agents can work with you to adjust a policy to be exactly what you and your family needs. Do you have young drivers? Do you need to save money? We'll work with you to create the perfect policy.

The secret to getting the most out of your insurance payment lies in working with a good agent. These professionals help you design a policy that's appropriate for you. To discover more about your options, contact us.
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How do you lower the cost of personal auto insurance

How do you lower the cost of personal auto insurance?

One great way to lower costs is by working with our agency and allowing us to provide you a custom quote based on your needs. Cost for auto insurance can also be influenced by how low or high you set your liability limits, your deductibles on comprehensive and collision coverages, and other factors like your driving record, vehicle type, and vehicle use.
 
  • Get a custom quote for a lower price that fits your needs
  • Your payments can be based on liability limits, deductibles, and more

How much coverage do I need?

The amount of insurance you need is going to vary based on your assets, coverage needs, and your level of comfort on the limit options. When there are so many cars on the road with values up to or higher than $100,000, it is our recommendation that $300,000 be a minimum starting point for your liability and property damage coverage limits.
 
  • The vehicles on the road around you can be expensive
  • It's recommended that you start at $300,000 for your liability
  • Get more coverage with liability insurance

By adding a personal umbrella policy, you can really go as high as you want on your liability insurance coverage.

Learn about our personal umbrella policies
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Are all auto policies the same

Are all auto policies the same?

Most auto policies are similar in nature. However, like homeowners policies, many companies are starting to add good, better, or best policy options that will extend broader protection by including optional coverages together in one endorsement.

Your policy will be unique and depend on your needs.


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