Auto Insurance Products

Auto Insurance Products

Car

What kind of insurance do I need?

  • Liability coverage to pay for losses you cause others, or
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverages.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply.

Collision Insurance

Collision coverage pays for damage caused to your vehicle in an automobile accident, when you are "at fault." Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with a deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher a deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision) Insurance

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God." Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive coverage. Like collision, comprehensive will pay up to the fair market value of your car (minus your deductible.). Though it's not legally required by any state, you will probably need it if your car is financed.

Classic & Antique Auto

Your classic car or antique automobile needs special protection. Whether you inherited it, bought it at an auction, or rebuilt your perfect dream car, your classic car deserves to be protected properly.

Classic or collectible cars in general must be over 26 years old and restored to operating condition. Classic and antique cars qualify for special rates and coverages. Most "general car insurance" carriers won't (and truly can't) properly insure your dream car.

As an independent agent we work with many antique car, collector car, and specialty car carriers to find the right fit for you and your investment.

They, along with our local experience, specialize in knowing how to insure your collector car. More importantly, they know how to adjust and pay claims quickly for your classic auto.

Motorcycle

Type of Bike

If you haven’t already purchased your bike, you might want to think about how the type of bike you choose will affect your motorcycle insurance premium. Is it a racing bike? Is it a bike that is targeted by thieves? In most cases, Touring or Cruising bikes have much lower premiums than Sport bikes. If you have a bike in mind, talk to your agent to get a quote before you buy – the difference in cost may just impact your decision to buy.

Association Discount

With some companies, membership in certain associations will get you discounts. Be sure to ask your agent. Some of the associations include:

  • American Motorcycle Associations (AMA)
  • BMW Motorcycle Owners of America (BMWMOA)
  • Gold Wing Touring Association (GWTA)
  • Harley Owners Group (HOG)
  • Motorcycle Safety Foundation (MSF), and many more.

Other Notes of Interest:

Operators of “street” motorcycles who are not at least 16 years of age are ineligible for insurance. Operators of “dirt” motorcycles or ATVs (not licensed for road use) who are not at least 14 years of age are ineligible for insurance.

The best way to ensure you’re getting the best coverage and premium available to you is by getting the help of an experienced independent agent. Why take on the job of sifting through thousands of companies yourself?

Boat

  • Physical Damage Coverage - Physical damage coverage pays for the cost to repair or replace your boat, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
  • Uninsured/Underinsured Watercraft Bodily Injury - Since boat insurance is not always mandatory, many boaters choose not to get boat insurance. If you are hit by an uninsured or underinsured boater and are injured, this coverage pays for medical treatment, lost wages, and other costs associated with the accident.
  • Fuel Spill Liability and Wreckage Removal - Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat's owner you are required by law to have this cleaned up, which can be time consuming and expensive.
  • Personal Effects - Your boat insurance policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. For jewelry, watches or furs, you would need a separate floating article endorsement. Limits vary by state - contact us for more information.
  • Unattached Equipment Coverage - This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
  • Emergency Assistance - The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Umbrella

Umbrella Insurance Policies Typically Cover

  • Liability judgments that exceed the liability coverage limits on your home and car insurance policies.
    • Umbrella insurance kicks in once the limits of your base policy (home insurance or auto insurance) are exhausted.
    • Your umbrella pays for any overages (covered by your insurance policy), up to the umbrella insurance policy limits.
  • Instances when you, your child, or your pet cause bodily injury or property damage.
  • Personal injuries, such as:
    • Libel and slander (when you say or write things that defame someone’s character)
    • Invasion of privacy
    • Wrongful entry
    • False arrest
    • False imprisonment
    • Malicious prosecution
    • Legal fees and defense costs.

Umbrella Insurance Policies Don’t Usually Cover:

  • Punitive damages (punishment by fine for actions or behaviors deemed reckless or outlandish by the court)
  • Intentional acts
  • Liability claims related to a business you own (you will need a separate business insurance policy for that)