Personal Auto Insurance

To protect you and your family from expensive automobile liabilities, it's important that you have the proper level of auto insurance coverage for your particular situation. With many different auto insurance options available through companies we represent, the Insurance Store is here to assist you with all of those confusing decisions of which coverage's are best suited to your needs.

Essential Coverage's

• Bodily injury to others
• Personal injury protection
• Bodily injury caused by uninsured motorists
• Damage to another person's property

Optional Coverage's

• Optional bodily injury to others
• Medical payments
• Comprehensive and collision
• Towing
• Rental car

Frequently Asked Questions

When purchasing auto insurance what should I consider?
There are several things you should consider when purchasing automobile insurance:

• Purchase the amount of liability coverage which makes sense for you.
• Select the optional coverage's you want.
• Decide which company to purchase insurance from.
• Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Does my insurance policy cover a friend if I loan him/her my car?
Yes. They will be covered under your automobile insurance policy.

What is collision physical damage coverage?
Collision is the loss you incur when your automobile collides with another vehicle or object.

What is comprehensive physical damage coverage?
Comprehensive insurance protects your car from damage unrelated to a collision such as damage from falling objects, fire, flooding or theft.

How can I lower my automobile insurance rates?
There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. Our independent agents work 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 case of a claim. You can also look for discounts that 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.