Automobile Insurance

We offer liability -only and full coverage auto insurance.  Full coverage insurance means that you have bodily injury liability, comprehensive, and collision insurance and can include many other coverages.

To get a auto insurance quote from us please have the vehicle's year, make, model, and VIN (Vehicle Identification Number) of the vehicle you are trying to insure, as well as the contact information for the drivers you’d like to insure.

Here are some common automobile insurance terms and their definitions:

Bodily Injury Liability Coverage: If an insured person is legally liable for an accident, BI coverage pays for injuries/death to individuals involved in the accident other than the insured driver. Bodily Injury also pays for legal defense costs if you are sued. However, always refer to your policy as certain exclusion may apply.

Comprehensive Coverage: If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism if your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Collision Coverage: When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. However, always refer to your policy as certain exclusion may apply.

Property Damage Liability Coverage: If an insured individual is legally liable for an accident, Property Damage Liability Coverage pays for damage to others’ property resulting from the accident. PD also pays for legal defense costs if you are sued. However, always refer to your policy as certain exclusion may apply.

Uninsured Motorist Coverage: If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. However, always refer to your policy as certain exclusion may apply.

Underinsured Motorist Coverage: If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. However, always refer to your policy as certain exclusion may apply.

Uninsured/Underinsured Motorist Property Damage Coverage: If a driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. However, always refer to your policy as certain exclusion may apply.