We analyze your insurance options saving you time and money.
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Customized Vehicle insurance options at the best price.
We shop dozens of carriers to make sure you get the policy that fits your needs at the best price.
Find the best combination of price and coverage so you get the best value for your money.
Have a dedicated local agent in your community that is responsive to your needs.
Complimentary risk assessment to know you’re well protected and regular policy reviews to make sure you’re never paying too much for your insurance.
Our process will provide you with auto insurance the smart and easy way.
We know how frustrating and complex the process of finding the right auto insurance can be and how long it can take if you do it on your own.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Frequently Asked Questions
What factors do auto insurance companies consider for risk assessment?
Auto insurance companies look at a variety of factors when assessing your risk level. These include your driving history (accidents, tickets, DUIs), the type and age of your vehicle, where you live and park your car, your credit score, occupation, mileage driven annually, and even gender and age in some cases.
How does an individuals risk profile affect their auto insurance premiums?
Insurance companies use the information from the risk assessment to determine how likely it is that you’ll file a claim in the future. If their analysis predicts that you’re likely to file claims more frequently or for more money than other drivers with similar profiles, they’ll charge you higher premiums to offset this potential cost.
How do deductibles work in auto insurance policies?
A deductible is the amount of money you agree to pay out-of-pocket before your insurance coverage kicks in. For instance, if you have a $500 deductible and experience $2000 worth of damage in an accident, you would pay $500 while your insurance company would cover the remaining. Higher deductibles generally result in lower monthly premiums but increase out-of-pocket costs during a claim.
What are some common options or add-ons available in auto insurance policies?
Common options include collision coverage (covers damage to your vehicle caused by an accident), comprehensive coverage (covers non-accident related damages like theft or natural disasters), uninsured/underinsured motorist protection (covers costs if someone without adequate insurance hits you), roadside assistance, rental reimbursement (pays for a rental car while yours is being repaired), and personal injury protection.
What role do financial options play in auto insurance?
Financial options primarily come into play when determining how much coverage one needs and can afford.
Insurance is essentially a financial product, so the insured person has the option to choose different levels of coverage, deductibles and premiums based on their financial situation. Also, auto insurance companies often offer flexible payment options to make their policies more affordable.
What States in the US Are You Licensed In?
Alabama
Arizona
Colorado
Connecticut
Georgia
Illinois
Indiana
Kansas
Kentucky
Michigan
Missouri
Montana
New York
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Virginia
Call us today for a free consultation to find auto insurance that fits your specific needs.
Lower premiums don’t have to mean less coverage. You just need a trusted agent who knows where to look.
