Auto Insurance


At our agency, we’ll personally review your coverage and help you
get the most amount of coverage for the least amount of money!

Are you:

  • getting all the discounts you are eligible for?
  • getting the personal service you deserve?
  • satisfied with your agent?

We can offer you a wide variety of coverage options!

Policy Definitions

Bodily Injury (BI) and Property Damage (PD)

Covers your liability for injuries you cause to other people and
property damage for which you are at fault.

This coverage usually is expressed in a “split number” such as 100/300/100.

The first number is the limit (in thousands of dollars) that your
policy will pay for bodily injury per person in the event of an
accident. The second number is the total limit your policy will pay
for bodily injury to two or more people per accident.

The third number is the limit that your policy will pay for property
damage per accident.

Many people are underinsured today because of the rising costs of
vehicles (making it easy to exceed your Property Damage limits) and
the high personal injury awards in lawsuits.

Please consult us to make sure you have adequate converge- we’ll be
happy to help you!

Uninsured & Underinsured Motorist

Covers you when you are injured by someone who is not insured or
has inadequate limits of coverage. This is often an overlooked
coverage, and we would be happy to help you understand this


This covers the cost of replacing or repairing your vehicle in the
event of an accident in which you were at fault. The premium varies
depending upon your deductible limits.

We would be happy to help you decide which deductible is right for you!


This covers repairing or replacing your vehicle in non-accident
situations, such as theft and vandalism.

Hail and other “acts of God” are covered, as defined by your policy.
This also has a deductible, so please consult with us about which
deductible meets your needs.

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