Auto Insurance Request a Quote You’ve got to have it—now what? You’re required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like us.If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right? There is a Difference We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.You may think you want the cheapest insurance you can find, but realize you may not be getting everything you think you’re bargaining for.Because while most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you.(For example: making sure you have maximum medical coverage in case you hurt someone else; or making sure you’re not overpaying for duplicate medical coverage you already have; or whether you want access to a rental car while your car is in the shop.)We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive. What’s insurance for, anyway? Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.This means you should try to think of your auto insurance as a shield.Then imagine someone else driving their car right into that shield.Will it hold?Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to (such as cars with daytime running lights; better yet, bundling other types of insurance with the same carrier).And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile. What auto insurance covers—and what’s optional... Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:Liability - in case you are found at faultCollision - in the event of your car is damaged by a collisionComprehensive - if your car is damaged by anything other than collisionBut additional protection may include:Medical Payments - if you have to pay on an injury for yourself or a passengerEmergency Road service - if you are ever stranded in your vehicleUninsured Motorist Protection—because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it.UM/UIM - liability payments to you when you are involved in an accident and the fault is not yours and the responsible party is a fault and does not have enough coverage or has no coverage at all.UMPD - collision coverage for your vehicle when in an accident with someone who has not enough or no coverage to pay for the damages done to your car.Rental - to pay for replacement of a car when yours is damagedGAP - payment of the difference between the total loss of your vehicle and the payoff of the loanExtra/Customized Equipment - pays for specialized equipment in the vehicle that was not OEMElectronic Equipment - pays for portable electronics damaged in an accident such as CB radios or cell phones and custom speakersEnhanced Exterior Repair - pays for OEM parts .v.used or aftermarketVanishing deductibles - for each year you go loss free there is an incremental reduction of your deductiblePet coverage - pays when your pet is injured in an auto accident Why We're Different You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes protecting your assetsWe’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.