auto insurance

Auto insurance is more than just a legal requirement—it’s a reassuring safety net that helps protect you, your vehicle, and others on the road when the unexpected happens. Whether you're commuting to work, running errands, or heading out on a road trip, auto insurance gives you peace of mind every time you get behind the wheel.

When you purchase an auto insurance policy, you're not just covering your car; you're safeguarding yourself from financial burdens that can arise from accidents, weather damage, theft, or other mishaps. The beauty of auto insurance is that it can be tailored to your needs, offering protection whether you drive a brand-new SUV, a reliable sedan, or a family minivan.

Auto insurance isn’t just about rules and regulations—it’s about having reliable support when life throws a curveball. With the right policy in place, you can drive with confidence, knowing you’re protected from the bumps in the road. Whether you're a new driver or a seasoned commuter, auto insurance helps keep you, your loved ones, and your journey safe.

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what auto insurance typically covers

Collision Coverage

Helps pay to repair or replace your car if it’s damaged in an accident, whether you hit another car, a tree, or a light pole. It applies regardless of who’s at fault, making it especially valuable if you’re financing or leasing your vehicle

Comprehensive Coverage

Covers non-collision-related damage to your car, such as theft, vandalism, fire, hail, falling objects, or hitting an animal. It’s perfect for protecting your car from those "what if" scenarios.

Liability

This is the core of most policies and is required by law in most states. It covers the cost of injuries and property damage to others if you're at fault in an accident. It includes both bodily injury liability and property damage liability, so you’re not paying out of pocket for someone else’s medical bills or car repairs

Uninsured & Underinsured Motorist Coverage (UM/UIM)

Offers protection if you’re in an accident with a driver who doesn’t have insurance—or doesn’t have enough. It helps cover your medical expenses and, in some cases, property damage when the other driver can’t pay.

Medical Payments Coverage

Covers medical expenses for you and your passengers after an accident, no matter who was at fault. Some policies may also include lost wages and rehabilitation costs

Collector car insurance

Collector car insurance is a special kind of auto insurance designed for classic, vintage, antique, and other collectible vehicles that are not used for everyday driving. More than just standard coverage, it’s tailored to enthusiasts who take pride in preserving the beauty, history, and value of their prized cars. Whether you own a fully restored ’67 Mustang, a sleek European sports car, or a custom hot rod, collector car insurance is built to protect not just your investment, but your passion.

What makes this type of policy so unique is that it understands these cars are different—they’re not commuting vehicles or daily drivers. They’re driven occasionally to shows, parades, or sunny weekend cruises, and they’re typically stored securely and maintained with care. That’s why collector car insurance offers coverage that reflects how these vehicles are used and valued.

One of the standout features is Agreed Value Coverage. Unlike standard auto insurance, which pays out actual cash value (depreciated) in the event of a loss, collector car insurance lets you and the insurer agree on the vehicle’s value upfront. If your car is stolen or totaled, you receive that full agreed-upon amount—no depreciation, no surprises.

Collector car insurance is more than a financial safeguard—it’s a recognition of your vehicle’s story, craftsmanship, and sentimental value. It’s designed for those who see their car not just as transportation, but as a legacy worth preserving. Whether you’re attending a concours d’elegance or just enjoying a Sunday drive, this coverage ensures your classic is protected every mile of the way