Take on the open road with confidence

Auto Insurance

If you think auto insurance is confusing, you’re not alone – and that’s where we come in! It’s important to have adequate auto insurance to help protect your family in the event of the unexpected. What is adequate coverage? What is “enough” insurance? Having adequate coverage does not necessarily mean higher premiums.

Did you know that auto insurance isn’t just about covering your vehicle? It’s important to understand that it’s not just for your car – but for you and your passengers as well. Our team will make sure to educate you on all the coverages that are offered:

Bodily Injury

If you are determined at-fault in an accident, this coverage pays the other party’s medical bills. If you don’t have enough coverage, you will be personally responsible for the difference. Depending on your state, you risk being subjected to wage garnishment for 10-20 years to pay outstanding expenses.

Property Damage

If you are determined at-fault in an accident, this coverage pays to repair/replace the other party’s vehicle. If there are multiple vehicles involved, you could be responsible for all vehicles’ repairs/damage. Much like bodily injury, if you do not enough coverage on your insurance policy, you will be personally responsible for coming up with the rest of the money. In most states, you would be subjected to wage garnishment as well.


This is critical in protecting yourself and your passengers in the event that you are hit by a driver without adequate insurance coverage themselves (or with no insurance at all). If you and your passengers have multiple medical bills that exceed the at-fault party’s coverages with their insurance, this will help offset additional medical bills, pain and suffering, and possible loss of income during recovery.

Medical Payments

No matter who is at fault in the accident, this extends coverage to you and your passengers for medical bills. This can help offset large deductibles you have with your healthcare provider and additional co-pays when going to the doctor’s office for checkups and physical therapy.


This provides coverage to anything other than something colliding into your car: flying objects (think rock to your windshield), theft of your vehicle, or even damage by an animal.


This provides coverage to your vehicle in the event that you damage your car as a result of an accident with a fixed or moving object – such as a curb, pothole, or another vehicle.

Towing, Glass Coverage, Rental Car Reimbursement, Loss of Income, and Death & Dismemberment are also optional coverages.

What determines auto insurance rates?


Most carriers use age in their algorithms. If you are under 25 or over 65, you typically don’t get preferred rates. Statistically speaking, those age ranges tend to have higher risk for accidents/losses.


Credit scores have been used to determine insurance rates for years. The better the credit, the better the insurance rates will usually be.


The type of car, engine size, value, and safety features all contribute to rates.

Driving History

Your driving record and loss history are important factors in determining rates. Accidents and moving violations are charged for 3 years. Some companies will look at your past 5 years.


Companies look at the entire household when determining rates. If you have drivers at home under the age of 25, over the age of 65, or with accidents or losses, it can affect the overall rates.

Our services are absolutely free to you. We will do the heavy lifting on your behalf and are paid directly by our carriers.

Every company offers different coverages and benefits, so let us find a perfect match for your needs.

We offer coverage for all Recreational Vehicles as well!

Are you ready to start saving money? Fill out the form below to have one of our team members reach out!