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Auto Insurance

Auto Insurance

Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto premiums while obtaining the coverage you need.

How much auto insurance coverage should I purchase?

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with us to discuss the best auto insurance coverage for your needs and budget.

What discounts can I receive on my auto insurance?

  • Multi-policy: By insuring your auto and home with the same insurance company, you may receive a discount on your auto premium.
  • Multi-car: If you insure two or more cars and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.
  • Safe driver: New policyholders who are claims and violation-free may be eligible for an additional discount.
  • Pay plan: By paying your premium in full by your effective date or within 60 days, you will receive a discount.
  • PERC: Long-term, claims-free drivers receive additional discounts.

Safety Tips for the Road

Every 18 seconds someone is involved in an auto accident; every 11 minutes someone dies. Here are some street-smart strategies every driver should practice:

  • Be cautious at intersections, a danger zone. Intersections can be risky because there are a lot of distractions: turning cars, pedestrians and red-light runners.
  • Steer clear of erratic drivers. Let a tailgater pass you.
  • Keep your eyes on the road. Talking on a cell phone or reading a map can distract you and lead to an accident. Keep in mind that a distracted driver might also be near you. Drive cautiously.
  • Be alert near parked cars. Someone could open a car door or pull out in front of you.
  • Don’t drive sleep-deprived. Sleep is not a matter of willpower, but a biological need. If you become drowsy, pull off the road and get some rest.
  • When passing another car, get past the driver’s blind spot as quickly and safely as possible.
  • Know your brakes. Most cars have antilock brakes, which require a driver to apply a firm and continuous pressure on the pedal.
  • In stormy weather, leave extra space between you and the car ahead.
  • Don’t drive through water. A small amount of water can disable a vehicle in seconds.
  • Don’t forget the basics: Buckle your seatbelt, limit loose objects in your car and lock your doors.