Automobile Insurance

If you have a driver's license, but even if you don't own a car, you should have insurance protecting your financial liability.

When Choosing Car Insurance

What Collision Insurance Covers

  • Your car hits an object, such as a tree
  • Your car collides with another vehicle
  • Your car rolls over
  • Your car is damaged due to hitting a pothole

What Comprehensive Insurance Covers

  • An object falls on your car, such as a tree 
  • An animal collides with your car
  • Your car is damaged due to fire or natural disaster
  • Your car is vandalized or stolen

Liability

Liability is the required portion of your auto insurance. Liability protects you if you are at fault in an accident. In addition, liability insurance provides coverage for the other driver’s property and covers medical costs in case of injury.

Uninsured Motorist

Uninsured and Under-Insured liability coverage helps pay for your medical expenses and property damage when a driver who doesn’t have insurance or enough insurance causes an accident. Often referred to as UM/UMBI, it kicks in when another party is responsible for damage to your vehicle or health, but they don’t have insurance coverage to pay the bill.

Medical

Medical Payments is like health insurance within your vehicle. Medical Payments helps with medical expenses associated with injury resulting from an auto accident, regardless of who is at fault. It pays medical bills incurred by anyone in the vehicle up to the limit on your policy. 

Popular Services

Roadside Assistance

Service and support for breakdowns

Roadside Protection

Roadside Assistance can help with services like changing a flat tire, jump-starting a dead battery, or towing your vehicle to a repair shop.

Pet Injury Protection

Critical for the pet that goes everywhere

Pet Injury Protection

Covers vet bills from injuries sustained in a car accident regardless of fault.

New Car Replacement

Don't lose on depreciation

New Car Replacement

New car replacement gives you money for a new car of the same make and model instead of the depreciated value of your totaled vehicle.

Rental Reimbursement

Transportation following an accident

Rental Reimbursement

Rental reimbursement helps you pay for transportation expenses, such as a rental car, while your vehicle is undrivable after a covered auto accident.

Accident Forgiveness

Your premium will not increase or be surcharged in case of an at-fault accident.

Accident Forgiveness

An additional coverage that you may qualify for where you won't be surcharged for an at-fault accident.

Tips To Save Money

Save by Your Choices, Not By Cutting Quality

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Learning Center FAQ's

The information in the FAQ’s below should not considered definitive legal advice but instead speaks to industry trends and common practices. You should always check your specific policy for exact financial details, limitations, and definitions.

I recommend that you re-evaluate your auto insurance every three years or whenever you believe you have reached a milestone. Typically, things change over the course of three years, and it is a good opportunity to see if you might be able to save money on your insurance because of these changes.

There are many factors that go into determining the premium on auto insurance. The main factors are; the type of vehicle, your age, and driving history.

In general, if the driver has permissive use from the owner of the vehicle to drive the car, insurance will cover any incident that may happen. It is always a good idea to receive confirmation from your agent if you ever have questions about coverage on your specific policy though.

It is a good idea to confirm with your friend’s agent if there is coverage for you to drive your friend’s car. It is always better to be safe than sorry.

GAP insurance pays for the difference between what you have left on your auto loan and the depreciated value of your car after a total loss.

Hail damage would be covered under the Comprehensive portion of your auto insurance policy.

Wear & tear/mechanical issues/breakdown to your auto is not covered on your auto insurance policy.

Unlike health insurance, there is no age limit to when a child needs to be removed from your auto policy.

Brendon really has his clients best interest in mind. He has been serving me faithfully for years and has been professional and helpful. Recently, he went above and beyond and reached out to me on a weekend after I was in an accident. His concern for me was heartfelt and shows he has more in mind than just being a successful business man but he really does care about those he serves.

Tammy H.