Personal auto insurance from top carriers — we shop multiple companies to find the best rate for your driving record, vehicle, and unique situation. As an independent agency, we're not tied to any single carrier, which means we work for you, not for an insurance company.
Liability Coverages
- Bodily Injury Liability — pays for injuries to others when you are at fault in an accident
- Property Damage Liability — covers damage to another person's property when you are at fault
- Personal Injury Protection — covers medical expenses, hospital bills, rehabilitation, and wage loss for you and your passengers regardless of fault
- Medical Payments — covers medical and funeral expenses for you and your passengers
- Uninsured Motorist — protects you when the at-fault driver has no insurance
- Underinsured Motorist — protects you when the at-fault driver's coverage is insufficient to cover your damages
Physical Damage
- Comprehensive — non-collision losses including weather events, theft, vandalism, fire, and animal strikes. Subject to your deductible.
- Collision — damage to your vehicle resulting from an accident, regardless of fault. Pays repair or replacement minus your deductible.
Additional Options
- Road Trouble Service — towing, lockout, and roadside assistance when you need it
- Additional Expense Coverage — rental car costs and lodging if your vehicle is disabled far from home
- "Drive Other Cars" Extension — extends your coverage to other vehicles you drive but don't own
- No Depreciation on Total Loss — within 90 days of purchasing a new vehicle, receive full value with no depreciation deduction if totaled
- Collision Deductible Waiver — your deductible is waived when both parties in an accident are insured with Auto-Owners
