Auto Insurance
Your car is a vital part of your daily life, so you need an auto insurance policy that protects you from where the road takes you.
Car insurance helps protect you, your car, as well as the people around you.
Did you know?
According to an I.I.I. analysis of NAIC data, 78% of insured drivers purchase comprehensive coverage in addition to liability insurance.
Standard Auto Insurance includes:
Let our experienced team help choose your coverage, starting with the basics, and then add the protections that are tailored just for you.
*Coverages vary by state and offerings.
According to the Insurance Research Council (IRC), 1 in 7 drivers in the U.S. goes uninsured.
Bodily Injury Liability
Coverage applies to injuries that you or a family member listed on the policy cause to someone else.
Medical Payments
Helps pay for treatment of injuries to you and passengers of the vehicle. It can also cover medical payments, ambulance fees, hospital visits, surgery, lost wages, etc.
Property Damage Liability
Pays for the damage your vehicle causes to someone else’s property. Typically, this means someone else’s car but can also include damages to lamp posts, telephone poles, and power outages from hitting the pole or other structures hit in an accident.
Collision
Covers your car if you collide with another car, person, or non-moving object (e.g., fire hydrant or building).
This also includes if someone hits your parked car.
Comprehensive
Covers your car damaged by events other than a collision such as theft, fire, hail, or natural disaster.
Uninsured/Underinsured Motorist
Will reimburse you, a member of the family, or a designated driver if one of them is hit by an uninsured or hit-and-run driver.
Why you should purchase auto insurance.
May be mandatory (depending on the state you live in).
Helps protect you from the cost of repairs.
Offers financial protection.
Provides protection for your passengers and yourself.
Your lender or leasing agent might require it.
F.A.Q
Driving can be unpredictable therefore make sure your auto insurance policy provides protection from any unforeseen circumstances.
On average, there are 682,000 hit-and-run accidents each year.
Are there coverage enhancements?
Yes. As the policyholder, you should only pay for what you need. We offer a variety of optional coverage enhancements to further increase your protection while on the road.
These include:
- Emergency Roadside Assistance
- Rental Reimbursement
- Towing and Labor
- New Car Replacement Coverage
- Guaranteed Auto Protection (Gap) Coverage
- Full Glass Coverage
*Coverages vary depending on the carrier.
How can I save money on auto insurance?
You may qualify for money-saving options on your auto insurance if you:
- Bundle homeowners and auto for a multi-policy discount.
- Utilize the carrier’s mobile safe driving app that monitors your driving behaviors.
- Have a car with anti-theft features.
- Have no accidents on your driving record – ask about a safe driver discount.
- Select the higher deductible.
- Pay your bill through automatic withdrawal.
- Military discount or student discount.
*Discounts subject to state availability and carrier.
What do I need to know before talking with an insurance agent?
To make the process easier make sure to have the below on hand.
- Have the make, model, vehicle identification number (VIN), and year of your car.
- Have information for all drives in your household.
- Know an estimate of how much you typically drive.
- Have information on your current auto policy, if any.
Looking for car insurance in Tennessee, Kentucky, or any other state? Contact us today for a car insurance quote!
Additional Coverage
High-Value Home & Affluent Personal
Our experienced team will work with you to identify your unique set of risks to insure your valuables are protected.
Classic Car
If you’re a proud owner of a vintage or collectible car, you need coverage that reflects your vehicle’s uniqueness & value.
Life Insurance
Protect & guarantee your loved ones are taken care of & have financial security should something happen to you.
