Automobile Insurance

We know cost is important, and so is your family’s financial security. We all want the best deal, but a car policy that fails to protect you is not worth the lower price you might have paid for it. Many states have a “minimum” car insurance level that is required. Unfortunately, these minimum policies are often not enough. We will help you select the right amount of liability coverage, personal injury protection, medical expense coverage, and uninsured and underinsured motorist coverage. We match your needs with the insurance company that is the right fit for you; we are often able to provide our clients with car insurance policies that provide increased coverage without adding significantly to the cost.

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Here are a few tips for simplifying the process:

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• Consider higher limits of coverage than the state-required minimums. If you choose the minimum coverage required by your state for car insurance, you may not be fully covered in an accident. For example, if your property damage coverage is $15,000 and you cause $25,000 worth of damage, you’ll have to pay the remaining $10,000 out of your pocket.

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• Tell it like it is. Insurance companies do verify driving records before issuing a car insurance policy, and this can affect the price of your car insurance. In order to obtain the most accurate quote and to make sure you are matched with the best insurance company for your household, let us know about any speeding tickets, moving violations, and past accidents.

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• Pay attention to the total package. Consider price, coverage, convenience and customer service.