Auto Insurance to fit your budget and needs

Low Cost Auto Insurance

Let Us Take the Hassle Out of Searching for Low Car Insurance Rates
Don’t spend your time looking for a great deal on auto insurance.
Our agency can take the pressure off of you.
It just takes one call to to see how much we can help save you on your auto insurance today!
Our agency is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.

Do You Car Pool?
Liability Insurance Exclusion
Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions.
Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental).
There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements.
Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home.

How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.

9 Tips on how to save money on auto insurance
Are you tired of shelling out a hefty chunk of change every month for auto insurance? Well, you don't have to! With a little bit of effort and research, there are 9 proven strategies to save on auto insurance that you can start implementing today.

Consider bundling your policies with the same insurance company. Bundling can lead to significant discounts on your premiums.
Another way to save is by increasing your deductibles. Typically, the higher your deductible, the lower your premium. Just make sure you have enough cash set aside to cover the deductible in case of an accident.
Safe driving can also lead to lower rates. Insurance companies reward safe drivers, so if you have a clean driving record, you can expect to pay less for your auto insurance.
Don't forget to take advantage of discounts. Most insurance companies offer discounts for various reasons, such as good grades or driving a car with safety features.
The type of car you drive can also have a significant impact on your premium. Choose wisely and opt for cars with good safety ratings and lower repair costs.
Paying your premium annually instead of monthly can save you money in the long run. Insurance companies often charge processing fees for monthly payments.
Your credit score can also affect your premium, so maintain good credit to pay less for your auto insurance.
Consider usage-based insurance (UBI) if you're a safe driver and don't drive very often. UBI involves using telematics devices to track your driving habits and determine your premium.
Lastly, review your coverage regularly to make sure you're not paying for unnecessary coverage or are over-insured.

Start implementing these strategies today and lower your auto insurance premium. Don't let high insurance rates break the bank - keep more money in your pocket with these proven tips.

Advertisements for cheap car insurance seem to be everywhere. Is this good enough for you?
It is a misconception that all auto insurance policies are the same. For some people, the least expensive policy is good enough. However, it is best to customize the policy to meet the specific needs of your vehicle and your lifestyle. How do you know what is too cheap and what is just right for you then?
What Your Policy Needs to Do for You
When choosing car insurance, there are a few key things to look for to determine if it is the right one for your needs. Put price aside for a moment. Only after you consider coverage, then you can compare providers to determine which offers the best price for that amount of protection. Here are a few things to consider.
Do You Have a Loan or Are You Leasing the Car?
Those who have a lease or loan on their vehicle may have a requirement from the title holder to carry full coverage. This generally includes:

Comprehensive coverage
Collision insurance
Liability insurance
Underinsured and uninsured coverage

These policies protect the value of the car. This is the value the title holder cares about. They don't want to lose their investment in your vehicle, after all.
Does the Vehicle Have Value?
If you do not have a loan or lease, consider the value of the car. If the car was not possible to repair in an accident, could you easily replace it? If it would cause financial hardship for you to lose the car like this, it may be worth considering collision insurance and comprehensive coverage. Collision insurance covers damage to your car if you hit something. Comprehensive covers the vehicle from losses such as fire and theft.
How Much Liability Insurance Do You Need?
One of the ways some companies offer very low-cost auto insurance is by providing you with just the state minimum requirement. However, this is a big risk. A simple accident can cause significantly more damage than this basic policy can cover. In an accident, the lowest car insurance may not cover all of the losses you need it to. This means you may have to pay out of pocket for it.

Is cheap car insurance a good thing? It can be if you do not have a lot of value in the vehicle. However, a customized auto insurance policy is best. Work with one of our agents to obtain one.

Insurance policies can provide coverage for both cars and drivers, but the specific details can vary depending on the type of insurance and the terms of the policy.
Auto insurance typically offers protection for both the car and the driver in different ways:

Car Protection: Most auto insurance policies include coverage for the physical damage to the insured vehicle. This coverage is known as "comprehensive and collision coverage." It can help pay for repairs or replacement of the car if it is damaged or destroyed in an accident, regardless of who is at fault.
Liability Coverage: Auto insurance also includes liability coverage, which protects the driver in case they cause an accident and are legally responsible for injuries to other people or damage to their property. Liability coverage can help pay for medical expenses, property repairs, and legal fees if the driver is sued.
Personal Injury Protection (PIP): Some states or countries require drivers to have personal injury protection or no-fault insurance, which covers medical expenses and lost wages for the driver and their passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist Coverage: This coverage is designed to protect drivers if they are involved in an accident with a driver who does not have insurance or has insufficient coverage. It can help pay for medical expenses and damages in such situations.

It's important to note that the specific terms and coverage limits of insurance policies can vary widely, so it's crucial to carefully review the policy documents and consult with the insurance provider to understand the extent of coverage provided for both the car and the driver.