Project Description

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

Do you use your personal car or truck to conduct business?  Remember that personal auto policies do not cover commercial use of your personal vehicle and you need a commercial auto policy for your personal vehicle.  This includes business use for activities such as home cosmetics, jewelry sales or a pizza/food delivery business.

How much auto insurance is right for you?

When trying to find the right about of auto insurance, it helps to know what your car or motorcycle is worth.  Check the value of your vehicle on Kelley Blue Book ( and then contact us to walk you through selecting the right insurance for you and your specific needs.

Types of Coverage to Consider:

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

Comprehensive Insurance (Other than Collision) covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Rental Car Reimbursement coverage typically helps pay for rental car costs when your car’s damages are covered by your comprehensive and collision coverages. For example, you may need to rent a car if your own car has been damaged:

  • In a car accident
  • By theft or vandalism
  • By severe weather

Emergency Road Service coverage offers protection for you when your car breaks down on the road, which can be scary and stressful, not to mention dangerous. Problems with your vehicle can occur at any time and include:

  • Engine failure
  • Dead batteries
  • Blown-out tires
  • Empty gas tank
  • Wheels stuck in deep snow or mud. Keys locked inside the vehicle

During these times, having emergency road service (ERS) coverage can prove extremely valuable.

Emergency road service coverage, also known as “towing and labor coverage,” can help you with costs associated with:

  • Towing
  • Tire changes
  • Battery service
  • Fuel delivery
  • Locksmith service

Liability Car Insurance When you cause an accident, you will be held accountable for injuries or property damage resulting from that accident.

Costs of injuries and property damage can be expensive. In fact, they can be so expensive that they are generally well out of the average person’s budget. If you are unable to pay, you risk losing your assets, such as your home, in lawsuits.

The best way to protect yourself from huge financial losses after an accident is by having liability insurance.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.  Give us a call to help you decide if this is the right option for you.