Insurance for your Car, Truck, or SUV.
Insurance for your Car, Truck, or SUV.
Let us help you save on your Car Insurance while ensuring you and others are protected should you have an accident while driving. You may think you want the cheapest insurance you can find, but realize you may not be getting everything you need. We can help you customize coverage that fits your budget as well as providing the protection you need on the road.
There are several different types of coverages that you can purchase with an auto insurance policy:
Liability coverage, also known as Bodily Injury and Property Damage, covers you for any damage, injury or loss sustained while driving the vehicle in an accident.
Medical Payments coverage can help pay for injuries of drivers or passengers regardless of fault.
Collision coverage pays for any damage to a vehicle caused by an accident.
Comprehensive coverage pays for damage to your vehicle caused by anything other than a collision. In our area types situations include damaged caused by wind, hail, theft, vandalism, deer and more.
Uninsured and Underinsured Motorist coverage provides payment of expenses if the other motorist has no insurance or not enough insurance. This coverage will pay for your injuries or damage in this situation.
Our licensed staff is ready to help you get multiple quotes for your car insurance. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
At the very least, anyone operating a motor vehicle is required to have Liability coverage. This ensures that drivers have the means to cover the basic costs of any accidents that they might cause. Other car insurance coverages, such as those designed to protect your own property, are often optional.
Many different factors play a role when determining the cost of auto insurance: where you live, your driving record, your age and marital status, what type of car you drive, whether you own a home, even your credit score can all have an impact on how much you’ll pay for insurance. The best way to find out what your premium will be is to ask a licensed agent in our office to provide you with some quotes from several of the top insurance companies.
Insurance for your Boat, RV and Motorcycle.
Let us help you save on your boat insurance, RV insurance or motorcycle insurance. Many of the coverages available on a Boat, Motorcycle or RV policy are similar to those on an Auto policy (Liability, Collision, Comprehensive, etc). But there are also some coverages specific to Motorcycle insurance that are worth considering:
Accessories coverage is intended to protect any of the custom parts and equipment which are added to the bike, either by the dealer or by the owner.
Roadside Assistance coverage provides the peace of mind that help is just a phone call away if your bike or RV becomes inoperable. Most insurance companies provide this coverage both if the motorcycle breaks down due to a mechanical issue and as a result of an accident. Roadside Assistance will help with delivering gas, jumping a dead battery, or towing the vehicle to the closest licensed repair facility.
Uninsured Motorist coverage, also known as UM/UIM coverage, pays for your injuries if the person responsible for the accident either doesn’t have insurance or doesn’t have enough insurance to cover your medical expenses. Oftentimes this is an expensive coverage for motorcyclists because the rider’s injuries can be severe and the resulting medical bills can be expensive. But this coverage will prevent you from having to pay those bills out of your own pocket.
When you are bound for the water, make sure you are covered. Even though it is not required in the state of Ohio, it is recommended that you purchase coverage to make every trip to the waterways an enjoyable one. Whether you’re boating, fishing, or riding a Jet Ski®, policies can include:
Liability coverage can help provide protection in two ways. If you cause an accident that injures another person, liability coverage may help pay for their medical bills. Also, property damage liability coverage helps pay for repairs to another person’s property if you are responsible for the accident. In addition, this coverage cab pay for the significant expenses of salvage recovery should your vessel sink.
On-Water Towing can be added if you find your vessel disabled and you need assistance making it back to land.
Comprehensive coverage provides protection from any damage caused by wind, theft, hail, vandalism, and more. This can be helpful for any damage that isn’t caused by an accident.
Personal Effects coverage provides protection of property that you carry on your boat – fishing gear, navigational equipment, SCUBA gear, personal devices, etc.