All of the Insurance companies we represent provide a wide range of auto Insurance products at a GREAT price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.

Many of our insurance companies can insure you, even if you don't have a valid U.S. driver's license. We can insure you with your:

• Foreign driver's license
  
• Passport
  
• Matricula
  
• Government issued I.D.
  

 

We can help you understand what these terms mean and how much coverage is right for you.

• Standard and Preferred auto Insurance
• High Risk auto Insurance
• Classic autos / High Valued autos
• DUI/SR-22
  

Coverage options:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

 

Do you pay by electronic funds transfer? Savings.
Do you have more than one automobile on your policy? Savings.
Are you going to pay your bill in full? Savings.

Do you have a valid driver's license? Savings.
Have you had a good driving record for three years? Savings.
No accidents in the past five years? Savings.

Do we insure you?

The world of the collector car is exciting and unique We know that every make and model is different and our collector auto insurance policies cover the uniqueness of each ride. Visit our office to help you choose just the right classic policy for your ride. We've got your collector car covered!

What is an Antique and Classic Auto?

An antique auto is a vehicle that is 25 years and older. A classic car is considered a vehicle 19 to 24 years old. Both the antique and classic vehicles must be in the original (or original restored) condition. An antique Model T or a classic Mustang convertible might come to mind when you think of cars that fit into this program, but the Antique and Classic Auto Program doesn't only include the obvious. This program is also great for light trucks, motorcycles, farm tractors, military vehicles, foreign and American sport cars, muscle cars, convertibles, station wagons, woodies, Corvettes and other unique original autos.

This program includes:

• Classics
• Antiques
  
• Woodies
  
• Muscle Cars
  
• Foreign and American Sports Cars
  

What is a Modified Auto?

A modified automobile is simply a vehicle modified from its original condition. Whether it's chopped, channeled, lowered, chromed, Frenched or flamed or it's powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket, the Modified Auto Program is the perfect fit.

This program includes:

• Custom/Modified - A vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.
• Exotic - A motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.
• Kit car - A representation motor vehicle at least 24 years old consisting of separately manufactured components that are assembled by the purchaser.
• Replicar - A commercially assembled reproduction of any motor vehicle at least 25 years old.
• Hot rod/Street rod - A vehicle manufactured prior to 1949 whose body, chassis, engine suspension or interior has been modified.

...And that's not it! Contact us to see what other makes and models we can take care of for you.

You Choose!

We offer flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.