Auto Insurance

DON'T GET CAUGHT UNINSURED OR UNDER INSURED! When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages. Bodily Injury (BI) Liability Coverage pays up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory. Property Damage (PD) Liability Coverage pays up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory. Medical Payments Coverage pays up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems. Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state. This is important to keep you properly covered. Collision Coverage pays up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan. Comprehensive Physical Damage Coverage pays up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan. Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage. Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage. Check with your agent to see which is the best deal for you.

Auto Insurance Quote

Auto Quote No coverage is bound until you are contacted by one of our representatives  Name    Street Address    Mailing Address    City, State, Zip    Phone Number   Home    Work   Email       Do you have insurance on your vehicle(s) now?    If no, when did your last policy expire?    If yes, what company?    If yes, what are your current liability limits?    Current Insurance  a.   Start Date    b.   Expiration Date    Driver Information   1  Name    Social Security Number    Drivers License Number / State     State Alabama Alaska Arizona Arkansas California ColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMissouriMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyomingInternational  How long licensed?    Date of Birth    Marital Status   List all citation received in past three years. (Including parking, seat belt, defective equipment and other non-moving citations) Include if any driver has had his/her driver's license suspended or revoked, or any major violations during the past 5 years.    List all accidents that were your fault  in past three years.    List all accident that were NOT your fault  in past three years.    2  Name    Social Security Number    Drivers License Number / State     State Alabama Alaska Arizona Arkansas California ColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMissouriMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyomingInternational  How long licensed?    Date of Birth    Marital Status   List all citation received in past three years. (Including parking, seat belt, defective equipment and other non-moving citations) Include if any driver has had his/her driver's license suspended or revoked, or any major violations during the past 5 years.    List all accidents that were your fault  in past three years.    List all accident that were NOT your fault  in past three years.    3  Name    Social Security Number    Drivers License Number / State     State Alabama Alaska Arizona Arkansas California ColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMissouriMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyomingInternational  How long licensed?    Date of Birth    Marital Status   List all citation received in past three years. (Including parking, seat belt, defective equipment and other non-moving citations) Include if any driver has had his/her driver's license suspended or revoked, or any major violations during the past 5 years.    List all accidents that were your fault  in past three years.    List all accident that were NOT your fault  in past three years.   4  Name    Social Security Number    Drivers License Number / State     State Alabama Alaska Arizona Arkansas California ColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMissouriMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyomingInternational  How long licensed?    Date of Birth    Marital Status   List all citation received in past three years. (Including parking, seat belt, defective equipment and other non-moving citations) Include if any driver has had his/her driver's license suspended or revoked, or any major violations during the past 5 years.    List all accidents that were your fault  in past three years.    List all accident that were NOT your fault  in past three years.    Vehicle Information  1  Year, Make, Model  Year Make Model  Primary driver    Vehicle ID Number    Body style    How is vehicle primarily used?    If Business, describe type of business    If Commute, how many miles one way?  Select coverage and limits below  Liability    Select BI 20/40 25/50 50/100 100/300 250/500 100 CSL 300 CSL 500 CSL    Select PD 15 25 50 100 250    Un(der)insured Motorist   Will Match Liability Selection  Medical   Select Amount $2,500 $5,000 $10,000  Personal Injury Protection   Select One $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $50,000  Comprehensive   Select One $50 deductible $100 Deductible $250 Deductible $500 Deductible  Collision   Select One $100 Deductible $250 Deductible $500 Deductible $1000 Deductible  Towing  Company Will Provide Limits  Rental Reimbursement  Company Will Provide Limits  2  Year, Make, Model  Year Make Model  Primary driver    Vehicle ID Number    Body style    How is vehicle primarily used    If Business, describe type of business    If Commute, how many miles one way?    Lien holder  Name    Address    Phone #    Fax #    Loan #    Select coverage and limits below  Liability    Select BI 20/40 25/50 50/100 100/300 100 CSL 300 CSL 500 CSL    Select PD 15 25 50  Un(der)insured Motorist   Will Match Liability Selection  Medical/ Personal Injury Protection   Select Amount $2,500 $5,000  Comprehensive    Select One $50 deductible $100 Deductible $250 Deductible $500 Deductible    Collision              Select One $100 Deductible $250 Deductible $500 Deductible $1000 Deductible    Towing  Company Will Provide Limits  Rental Reimbursement  Company Will Provide Limits  3  Year, Make, Model  Year Make Model  Primary driver    Vehicle ID Number    Body style    How is vehicle primarily used?    If Business, describe type of business    If Commute, how many miles one way?    Lien holder  Name    Address    Phone #    Fax #    Loan #    Select coverage and limits below  Liability    Select BI 20/40 25/50 50/100 100/300 100 CSL 300 CSL 500 CSL    Select PD 15 25 50  Un(der)insured Motorist   Will Match Liability Selection  Medical/ Personal Injury Protection   Select Amount $2,500 $5,000  Comprehensive    Select One $50 deductible $100 Deductible $250 Deductible $500 Deductible    Collision              Select One $100 Deductible $250 Deductible $500 Deductible $1000 Deductible    Towing  Company Will Provide Limits  Rental Reimbursement  Company Will Provide Limits  4  Year, Make, Model  Year Make Model  Primary driver    Vehicle ID Number    Body style    How is vehicle primarily used?    If Business, describe type of business    If Commute, how many miles one way?    Lien holder  Name    Address    Phone #    Fax #    Loan #    Select coverage and limits below  Liability    Select BI 20/40 25/50 50/100 100/300 100 CSL 300 CSL 500 CSL    Select PD 15 25 50  Un(der)insured Motorist   Will Match Liability Selection  Medical/ Personal Injury Protection   Select Amount $2,500 $5,000  Comprehensive    Select One $50 deductible $100 Deductible $250 Deductible $500 Deductible    Collision              Select One $100 Deductible $250 Deductible $500 Deductible $1000 Deductible    Towing  Company Will Provide Limits  Rental Reimbursement  Company Will Provide Limits  Please use the space below to add comments regarding any special circumstances or coverage needs