Keeping You
On The Road

We have you covered. We can help you with standard auto insurance, as well as car insurance for collector cars. When most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. You’re at risk every single time you get in your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

Because we are 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Auto Insurance Quote

Get the best auto insurance coverages for your needs

From accidents and windshield damage to lawsuits and more, we have affordable insurance options to protect against just about anything. Get car insurance quotes online and customize your coverages to fit your needs.

Keep in mind, coverage offerings vary by state.

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses.

How to Get an auto Insurance Quote

Getting an Auto insurance quote is easy. Here are some of the important questions we’ll ask:

  • Who lives with you? Start by listing the individuals residing with you who will also be using the vehicle(s). Let us know if there will be a co-owner/co-applicant (usually a spouse). Determine if your vehicle will be used for business purposes.

  • What vehicles do you need coverage for? Provide details about your vehicle(s). Include information about the make, model, year, and any safety features or modifications.

  • How is your driving record? Let us know about your driving history. Information about past accidents or traffic violations helps tailor the quote to your specific circumstances.

  • Do you currently have auto insurance? Share the name of your current insurer and how long you’ve been insured.

Do you own a vehicle with special modifications or a value exceeding $100,000? We work with various insurers specializing in high-value vehicles.

Each vehicle and driver combination is unique, requiring a personalized insurance policy. To explore your options and receive obligation-free quotes, reach out to our office or fill in the online form with basic details. We’ve streamlined the process for your convenience, making it easy to get the coverage you need

Homeowners Insurance Quote

Common Auto Insurance Rating Variables


Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.


Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.


The type of car, engine size, safety features, etc.. are all part of determining the rate.

Driving History

Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.


Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.

Frequently ask Auto questions

1. Why is auto insurance important?

Auto insurance provides financial protection against vehicle damage, theft, liability, and medical expenses resulting from accidents.

2. What does liability coverage in auto insurance entail?

Liability coverage helps pay for the costs if you injure someone or damage their property in an accident. It covers legal fees if you’re sued as well.

3. How does auto insurance protect against vehicle damage?

Comprehensive and collision coverage help repair or replace your vehicle if it’s damaged in various scenarios, such as accidents, vandalism, or natural disasters.

4. Is auto insurance mandatory?

Yes, in most places, having auto insurance is legally required. It’s not just for your protection; it’s also to ensure you can cover costs if you’re responsible for an accident.

5. What role does uninsured/underinsured motorist coverage play?

This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or sufficient coverage. It helps cover your medical expenses and vehicle repairs.

6. How does auto insurance benefit beyond accidents?

It provides coverage for theft, vandalism, and natural disasters, offering financial protection in various unexpected situations.

7. Can auto insurance help with medical expenses?

Yes, it often covers medical expenses for you and your passengers, regardless of fault in an accident, including hospital bills and rehabilitation costs.

8. How does auto insurance protect against lawsuits?

Insurance can cover legal fees if you’re sued due to an accident, saving you from potentially high costs of defending yourself in court.

9. What if I have a loan or lease on my vehicle?

Lenders often require comprehensive and collision coverage to protect their investment until you fully own the vehicle.

10. How does auto insurance provide peace of mind?

Knowing you have coverage means you’re financially protected in unexpected situations, allowing you to drive with confidence and focus on the road ahead.

Get started with your auto insurance quotes

If you are looking for a car insurance comparison, we make the process of finding the best company and price easy. We do all the heavy lifting for you!