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Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Auto Insurance for the vehicle you rely on daily.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

What is the minimum required coverage for auto insurance?

Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Here are some answers to common car insurance questions. Remember, always verify information with your agent as things may change over time with car insurance companies and government regulations. We are happy to answer any and all of your questions!

1. Why did my car insurance rate increase?
Car insurance rate increases could be due to a number of factors including inflation, prior claims, general insurance company rate increases, change in type of car, etc. In Washington state, the rate could increase due to recent credit score regulations as well. The best way to determine why your rate increased would be to discuss with one of our agents. We have access to multiple car insurance companies so we can almost always find a better rate for you and your family.

2. What is comprehensive car insurance coverage?
Comprehensive car insurance coverage covers fire, theft, vandalism and hitting an animal.

3. What is collision car insurance coverage?
This car insurance coverage covers colliding with vehicles and/or property.

4. If my child goes to college but lives at home part-time, are they covered on my car insurance policy?
Yes, as long as they are residing in the home still.

5. Does my teenage driver need to be listed on my car insurance policy?
Yes, once they are licensed and living at home.

6. What if my teenage driver lives with their other parent
They need to be on the other parent’s policy based on which home they are living in.

7. What does Uninsured Motorist car insurance coverage cover?
This car insurance coverage is for claims with uninsured vehicles and hit and runs.

We sell into the following states: Washington, Oregon, Idaho, Montana, Nevada, Arizona, Texas, North Carolina, Florida, California.

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