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   As an independent insurance agency, we have the freedom to place you with a company that meets your specific needs.  We will help you find an auto insurance package that provides you with the coverage you desire at the best possible price.

The basic coverages provided under an auto insurance policy come under two parts:  liability coverage, and physical damage coverage for your vehicle.  Liability coverage insures that if you are in accident, in which you are determined to be at fault, your insurance will pay for bodily injury to the other party, and/or property damage to their vehicle, up to the limits you choose for your policy.


   Physical damage coverage provides for the repair or replacement of your vehicle should it be damaged in a collision.  It also provides coverage for theft, vandalism, glass breakage, hail damage, etc.  This is called Other Than Collision, or Comprehensive, coverage.



Some of the ways to discount your auto insurance include the following:

Auto/home combination, multiple vehicles on one policy, being accident/violation free for three years or more, airbags, anti-lock brakes, anti-theft device, over 55 driver safety training, high school student driver training course and/or good student discount.

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