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Automobile & Recreational

The insurance protection you need when you’re on the move:

  • Classic Car Insurance – Your classic car is an icon. Insure it well.

  • RV and Mobile Home Insurance – Home insurance for your home-on-the-road.

  • Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.

  • Auto Insurance Get the right insurance coverage for your car, truck, van or

        other vehicles.

  • Motorcycle Insurance – Ride safe and insure your motorcycle.

  • ATV and Motorsport Insurance Insurance policies that cover all your toys.

  • Personal Umbrella


How long does it take to get an auto insurance quote?

Usually it is less than 24 hours to receive an auto insurance quote. During peak times it can take 1-2 business days. 


What happens if I lie about my driving history?

Lying about your driving history is considered a "soft fraud" and the insurance company can deny you and/or cancel your services.

What does auto insurance cover?

Auto insurance covers you, your car and others involved in a vehicular accident.


Are there different insurance coverage types?

Yes, the different coverage types are: Bodily Injury, Property Damage, Comprehensive (fire, theft, Vandalism), Collision, and Uninsured/Underinsured motorist.


Is auto insurance mandatory?

Yes, auto insurance is mandatory in every state across the U.S., but insurance carrying laws vary.


What happens if I don't get insurance?

You can face jail time if you get into an accident without auto insurance and all expenses will come out-of-pocket if there is damage to your car, the victims car or if you are sued. 


How expensive is auto insurance?

Rates vary by company, your driving history and credit report.


Can I put anybody on my policy?

You can only include someone who lives at the same address as you. 

Can you pay for auto insurance monthly, bi-annually or annually?

Most companies offer monthly, bi-annually or annually and offer discounts for paying premiums in full.

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What happens if I forget to pay my premium?

Most insurance companies send you a warning notice that your policy is in cancellation status if not paid by a certain date.  There will be a late charge added to premium.


What is an insurance deductible?

An insurance deductible is the amount of money you pay after an accident before your insurance pays for the remaining amount.


Can I make changes to my policy at any time?

Yes, changes can be made at any time.


Can an auto insurance company deny you coverage?

Yes, they can. If you have a DUI (or several) on your record, have bad credit or have caused a serious accident, you can be denied coverage.


Will my gender affect my premium rates?

A: Yes , gender does affect premium rates.  Using statistical driving data, It has been found that male drivers are generally involved in more accidents.  As a result, male drivers pay higher premiums than their female counterparts.


Does my credit score really affect my premiums?

Yes, if you have a low credit score, your insurance premiums will be higher.


How can I get an insurance discount?

By being a good student, having a clean driving record, etc. Speak with your agent about possible other discounts that are available.


If I'm driving someone else's car and get in an accident, whose insurance do I use?

You would use their auto insurance.  If there are additional costs that their insurance does not pay, then you would use your insurance.


How long does it take to file a claim.

Always call your agent prior to filing a claim, we will call the claim into the company for you!  This should take only approximately 15 to 20 minutes. Always call the police when involved in an accident even if you think the accident is minor!


Can an insurance company deny my claim?

They can deny your claims if they have proven beyond a reasonable doubt that you were driving recklessly or lied about the accident damage.


Will my auto insurance pay to have my stolen car replaced?

This depends entirely on the insurance coverage you have. Comprehensive coverage will protect you in this type of event.

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