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Auto FAQs



Q:

When purchasing automobile insurance what should I consider?

 

A:

There are several things you should consider when purchasing automobile insurance that our agents can help you with.

Here are a few:

  • What amount of liability coverage makes sense for you?
  • What optional coverages do you want/need?
  • What company do you want to purchase insurance from? 
  • Don't base your decision solely on price. Other factors like customer service and claim response are extremely important in selecting the right insurance!

Q:

Does my insurance policy cover my friends if I loan them my car?

 

A:

When you loan your car to a friends or an associates, they will be covered under your automobile insurance policy.


Q:

What is collision physical damage coverage?

 

A:

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.


Q:

What is comprehensive physical damage coverage?

 

A:

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.


Q:

How can I lower my automobile insurance rates?

 

A:

There are several things you can do to lower the cost of your automobile insurance.
One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10%. You must be able to pay the deductible amount in the event of a claim.

You can also look for discounts you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.

Our Insurance Types

When it comes to insurance coverage more is better than less. We can help you get the following coverages:

Partner Carriers

  • AmTrust
  • CHUBB
  • Co-operative Insurance
  • Dairyland
  • Foremost
  • Frankenmuth Mutual
  • Liberty Mutual
  • Maine Mutual Group
  • Mapfre
  • National Flood Services
  • Patriot Mutual
  • Progressive
  • Safeco
  • Travelers
  • Union Mutual of Vermont