Over the years we have earned the reputation of providing quality protection and prompt claim service at a fair price. Our flexible rating classification allows for adjustment in premiums when drivers, accident record or use of your car change. Our premium discounts are available in many situations such as multiple auto, good student and driver training. An additional discount may be available if you have been insured with us for at least 3 years and have not been involved in a chargeable accident during this time. There may also be a further discount allowed if you also have your Home or Life Insurance with us.
Our wide variety of up-to-date auto coverages will meet your individual needs!
A Brief Description of our Coverages:
Liability: Pays damages due to bodily injury and/or property damage for which an insured is legally liable; includes the cost of defending you in a lawsuit.
Accident Benefits: Pays for the following types of benefits when an insured is injured or killed in an auto accident: Supplementary Medical, Rehabilitation, Income Replacement, Education Disability, Caregive, Loss of Earning Capacity, Attendant Care, Other Disability Benefits, Death Benefits and Funeral Expenses.
All Perils: Pay for accidental loss or damage to insured car by those Perils covered under the Collision and Comprehensive coverages, with the same deductible applying to all losses.
Collision: Pays for accidental loss or damage to insured car resulting from a collision or upset.
Comprehensive: Pays for accidental loss or damage to insured car from many perils other than collision or upset: includes up to $900 for substitute transportation if your car is stolen.
Uninsured Automobile: Provides protection for bodily injury and/or property damage caused by a legally liable but uninsured or unknown driver.
Loss of Use: Pays up to policy limits for additional expenses incurred for rental of a similar type automobile, or for taxicabs or public means of transportation, as a result of the loss of use of the insured auto through an insured peril.
Emergency Service Expense: Pays for the cost of a service call or towing when insured car is disabled. (policy limits apply)
Family Protection: Pays when your Family Protection coverage limits and the damages for your bodily injury, that are caused by an underinsured motor vehicle, are greater than the Bodily Injury Liability limits of the legally liable other driver.
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