Auto Insurance

Pay a little extra monthly to lower your deductible if you have a claim.  Deductible options vary on coverage:

Collision: $100, $200, $350, $500

Comprehensive (fire, wind, hail, vandalism, theft): $50, $100, $200, $350, $500

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details.

Protection for 5 Years

Months 1 to 2: During the initial 2 years, your coverage for repairs or replacements includes damages from accidents and all incidents covered by your Auto insurance.

Years 3 to 5: For the subsequent 3 years, your insurance extends to similar types of damages as in the first 24 months, excluding fire, theft, water-related issues, vandalism, and intentional damage.

If you’re looking for Replacement Coverage for a slightly older vehicle, ask about Optiom Pro to see if you qualify.

Road hazard glass protection offers coverage for repairing or replacing your vehicle’s glass damaged by road debris, such as stones or objects thrown up from the road or fallen from other vehicles.

Opting for a lower deductible, such as $50, can reduce your expenses when repairing or replacing your windshield.

This additional coverage can be purchased if you already have collision and comprehensive coverage under your Auto policy.

If you cannot drive your car due to an accident or if the vehicle was stolen, you may be able to get coverage from your car insurance company. Many companies offer loss-of-use coverage, which will help you get into a replacement vehicle while your vehicle is being repaired or replaced.

Lastly, if you choose to rent a vehicle for whatever purpose, however, it’s damaged during the time you have it, you can apply loss of use to cover downtime charges set by the rental company.

Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. Most standard Auto Insurance policies offer liability limits of $1,000,000 to $5,000,000

If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit that was set back in 1985. If we equivalent that into ‘today’s dollars, the $200,000 from 1985 translates to = $88,000 in 2024.

Protect your business with Commercial Auto insurance.

The exposure that business owners and commercial drivers experience can far exceed that of an average driver.

Depending on your operations, carrying an additional Commercial Auto policy may be required as your plate registration doesn’t cover most business-related uses.

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