Auto Insurance
We specialize in preferred policies for preferred drivers
Better drivers get better insurance pricing. If you and your family drive carefully and keep your distractions to a minimum, we would like to be a vendor and partner for you.
There are insurance firms that specialize in helping higher risk drivers, but we are not one of those places.
Let us help find the policy that is just right for you
Not all auto insurance policies are created equal. We take the time you need to select from a range of coverage limits and protection options.
We encourage purchasing higher liability limits. It is surprisingly inexpensive to select incrementally higher limits to best protect you from lawsuits brought against you because of a driving mistake.
Other options include:
- Original Manufacturer Parts
- Loan Lease GAP
- Total Vehicle Replacement
- Vanishing Deductible
- Accident Forgiveness
- Transportation Network Driver
- Roadside Assistance
Loaning Your Car to Others — Who's Covered?
Auto coverage often follows the insured vehicle when a permitted driver borrows it, but household-driver rules, exclusions, regular use, and the reason for the trip can change the result. Confirm the driver and use with your agent before lending the car.
Which Drivers Are Automatically Covered?
Named insureds and listed household drivers are generally contemplated by the policy, while newly licensed household members and occasional permissive drivers may be handled differently. All regular drivers should be disclosed to the carrier.
Is My Rental Car Covered? (Rental Car Coverage)
Personal auto coverage may extend to a temporary rental, but deductibles, liability limits, loss-of-use charges, diminished value, vehicle type, and rentals outside the United States can create gaps. Review both your policy and the rental agreement before declining the rental company’s options.