Auto Insurance

Factors include your driving record, age, type of vehicle, location, and the amount of coverage you choose. Discounts may be available for safe driving, multiple policies, and more. 

Liability insurance covers damages and injuries you cause to others, while full coverage includes both liability and coverage for your own vehicle’s damage from accidents, theft, and other incidents. 

Yes, you can add family members or other drivers to your policy. It’s important to list all regular drivers to ensure proper coverage. 

Ensure everyone’s safety first, then contact the police and get a report. Exchange information with the other driver and be sure to take adequate photos of the scene, both vehicles and drivers. Next, contact us to start the claims process. 

Consider raising your deductible, maintaining a clean driving record, bundling with other insurance policies, and taking advantage of available discounts like those for safe driving or low mileage. 

Yes, if you use your personal vehicle for business purposes, your personal auto insurance may not cover incidents that occur while working. Commercial auto insurance is necessary for proper coverage.