Personal Auto

With HWICLICK, you can quote lower deductible options or purchase higher liability coverage in minutes. Our online portal instantly gives you access to your policy documents and allows you to make updates 24/7.

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Want to learn about your insurance? Click on one of the below topics!

Lower Deductibles

If you’re responsible for a collision or if hail damages your car, with basic plate insurance on your vehicle, you must pay a $700 deductible! With a package policy, you can lower your deductible to an amount that’s a little more budget-friendly.

Replacement Cost

Replacement coverage for brand-new vehicles protects them from depreciation in the event of a total or partial loss. If you’re looking for Replacement Coverage for a slightly older vehicle ask one of our advisors about Optiom to see if you qualify.

Road Hazard Glass

Between our prominent construction season and our numerous gravel roads, the number of rocks being kicked up while driving is unbelievable. With Road Hazard Glass coverage on your policy, you can have a deductible as low as $50 to replace your entire windshield!

Loss of Use Coverage

When you add this coverage onto your auto policy and your vehicle is damaged in a covered claim, this coverage will help put you back on the road. Loss of Use coverage will help put you into a replacement vehicle while yours is being repaired or replaced.

Personal Liability

This coverage protects you financially from the pain of a nasty lawsuit. You’ll want more than the basic plate limit if you’re held responsible for causing bodily injury or property damage to a third party. We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

Loan Protection

Did you finance your vehicle? If you did, you might have also signed up for a form of Life Insurance! Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. Find out about the difference in coverage when you have a policy designed to protect your assets and your family.

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