Automobile

Liability Coverage

Liability coverage protects you if you cause an accident – covers other driver’s (and his/her passengers’) medical bills and damages.

Medical Payments Coverage

This coverage helps pay for medical expenses as it relates from injuries associated with auto accidents whether the insured is at fault or not.

Collision Coverage

This coverage protects you if you get hit by, or hit, another vehicle. Covers your car repairs, you choose level of deductible that you want to pay, company pays up to the policy limit.

Comprehensive Coverage

Coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood. You pay the deductible that you’ve chosen, company pays up to the policy limit.

Uninsured or Underinsured Motor Vehicle Coverage

Protection if you are in an accident caused by an uninsured driver or a driver with limited insurance; company pays up to the policy limit.

Car Rental and Travel Expense Coverage

Pays a set amount per day for a set number of days for a rental car if your car is being repaired because of damage covered by your auto policy.

Emergency Road Service

This coverage provides you with towing service or roadside assistance if your car breaks down due to mechanical or electrical issues (such as dead battery, a flat tire, or a lock-out) or if you run out of fuel.

Loan & Lease Gap Coverage

If your car is declared a total loss, this coverage can pay the difference between the actual cash value and the amount you owe the lender or lessor. Some carriers may have limits to the percentage of difference they pay.

Accidental Death & Dismemberment Coverage

Provides insurance coverage for accidental death of an eligible person under the policy.

Diminishing Deductible

An additional coverage endorsement that can reduce your deductible on comprehensive and collision coverage based on how long you had the policy and not having any claims.

Disability Income & Survivorship Benefits

Coverage protects you if your car is damaged by something other than a collision, such as fire, vandalism, hail or flood.  You pay the deductible that you’ve chosen, company pays up to the policy limit.

Uninsured or Underinsured Motor Vehicle Coverage

An additional endorsement to cover a named insured, while inside the vehicle during an accident, that may be added to extend medical payment

Car Rental and Travel Expense Coverage

An additional endorsement to cover a named insured, while inside the vehicle during an accident, that may be added to extend medical payment coverage to include disability income and survivorship benefits. Subject to daily limits and time period restrictions.

New Car Replacement

An added coverage that allows you to replace a new car in the event of a total loss accident.

Pet Medical Coverage

We pay for veterinarian bills if your dog or cat are injured in an accident.

Insurance Discounts

• Multi-Policy Discount – Ask your agent about multi-policy insurance discounts when you combine auto insurance with home or life, or when you insure more than one vehicle.
• Prior Coverage Discount – Discount options when you can show coverage with current or prior carrier for several years.
• Advance Quote Discount – A discount for quoting coverage at least eight days prior to the renewal.

Driver Discounts

• Accident Free Discount – No accidents within the last three and five years depending on company.
• Education Discount – A discount based on level of education achieved.
• Good Student Discount – A discount for the younger driver getting good grades in school.
• Defensive Driver Discount – A discount for taking a defensive driver course.
• Mature Discount – A discount based on your age attained.
• Student Away at School Discount – Discount option if your child leaves his/her vehicle at home while they live at school away from primary residence.
• Teen Driver Monitoring Discount- A discount for having a monitoring device in your teen vehicle to check driver habits.
• Low Mileage Discount – A discount for drive less than a set number of miles a year.
• Group Discount – A discount for belonging to a certain group or organization.
• Company Car Discount – A discount for having a company car you drive for work.

Diminishing Deductible

• Driver Activity Monitoring Device Discount – A discount for installing a device in your vehicle to check braking, time of day traveling and other activities they may better determine driving habits.
• Air Bag Discount – A discount for your vehicle having an air bag.
• Anti-Lock Discount – A discount for having anti-lock brakes.
• Anti-Theft Discount – A discount for your vehicle having an anti-theft system.

Billing Discounts

• Paperless Discount – A discount available when you have having insurance bills sent to email address instead of mailed.
• EFT Discount – A discount for paying your bill out of your checking account.
• Paid-In-Full Discount – A discount for paying your entire bill for a six month or annual basis.