Your car insurance coverage depends on the policy you purchase 
but a typical full or specialty coverage includes:

•Bodily injury (BI) liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps cover payment for legal defense in the event you are sued for damages. This is especially coverage that needs to be requested.

•Medical payments (MedPay) coverage helps pay for medical and funeral expenses after a car accident. It’s an optional form of auto insurance that typically covers the policyholder, family members driving the car, and any passengers. Also known as medical payments coverage or MedPay, coverage applies no matter who’s at fault.

•Collision and comprehensive (Comp/Coll) coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).

•Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.

There are other types of car insurance available that can help you in a number of situations, such as roadside assistance, so be sure to talk to our insurance representative to make sure you have all the coverage you need.

Many of our carriers offer different discounts which could include homeowners, good students, teens with parents who have safe driving records, drivers who own cars with airbags, drivers who own two or more automobiles, and more. Talk to one of our insurance representatives to discuss your possible discount options.

Auto insurance premiums change for many reasons, similar to how prices adjust for other goods and services. Insurance companies face various costs, which can influence your premium.

General Costs Impacting Premiums:

• Medical Costs: Expenses to treat injuries.
• Auto Repair Costs: Prices for vehicle repairs.
• Claims Adjustment Costs: Expenses related to handling claims.
• Inflation: General rise in prices affecting all sectors.
• Uninsured Drivers: Costs covered by your policy if you have Uninsured Motorist coverage.

Although insurers do not directly control these costs, they monitor them to adjust premiums accordingly. These changes can affect your auto insurance rates, irrespective of your personal claim history.

Impact of Traffic Violations and Accidents: Most drivers understand that receiving tickets or being involved in accidents can increase premiums. However, other factors unrelated to your driving history can also impact rates.

Policy Changes:

• Adding Drivers: Including a new driver, especially a teenager, can raise your premium.
• Moving: Relocating to areas with different rates of traffic accidents, thefts, and vandalism can either increase or decrease your premium.

Vehicle-Related Changes:

• Vehicle Value: More expensive vehicles generally cost more to insure.
• Safety Features: Cars equipped with anti-lock brakes, airbags, and anti-theft systems may qualify for lower premiums.

By understanding these factors, you can better anticipate changes in your car insurance premiums and make informed decisions about your coverage.