Personal Auto Insurance
Auto insurance protects you financially if you’re involved in an accident or your vehicle is damaged. It helps cover repairs, medical expenses, and liability costs so you can get back on the road with confidence.
We offer a wide range of coverage options to help you find the right protection at a price that fits your budget.
Liability Coverage
Liability insurance is the foundation of any auto policy.
It covers the costs of injuries or property damage you cause to others in an accident, helping protect you from significant financial loss.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, fire, or weather-related damage.
It’s a valuable safeguard for unexpected events that occur off the road.
Collision Coverage
Collision coverage pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object — regardless of fault.
Medical Payments & Personal Injury Protection (PIP)
These coverages help pay medical expenses for you and your passengers after an accident.
Personal Injury Protection (PIP) can also cover additional costs such as lost wages or rehabilitation expenses.
Additional Coverage Options
Enhance your policy with optional coverages designed to give you extra peace of mind:
- Rental Reimbursement – Covers the cost of a rental car while your vehicle is being repaired.
- Towing & Roadside Assistance – Provides help if your car breaks down or needs to be towed.
- Uninsured / Underinsured Motorist Coverage – Protects you if you’re hit by a driver without adequate insurance.
- Specialty Vehicle Coverage – Designed for classic cars, RVs, or other specialty vehicles.
- Accident Forgiveness – Prevents rate increases after your first at-fault accident.
- Diminishing Deductible – Rewards safe driving by lowering your deductible over time.
- Minor Violation Forgiveness – Helps prevent premium increases after a minor traffic violation.
Factors That Affect Your Premium
Your insurance cost depends on several factors, including:
- Driving history
- Vehicle type and age
- Coverage limits and deductibles
- Where you live and how often you drive