Here's a piece of advice to consider when you buy auto insurance: Ask a lot of questions. Auto insurance often seems fraught with weighty terminology. If you're unclear about the difference between comprehensive and collision, don't fret; you're not alone. It's smart to ask us to explain the differences, much as you might ask your doctor to demystify medical terms.

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage. Throw in the deductible amount, the vehicle's value and personal data such as your age to arrive at the policy's cost. Reduce the coverage amounts or raise the deductible and the cost of the policy goes down.

So what do you need? It depends on, well, your needs.

Liability:

• Pays for the damage you cause to others if your car is involved in an accident. It also protects you from being cleaned out if you are sued following an accident.
• The greater your assets, the more you stand to lose.
• If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy.
• In that case, our personal umbrella policies can provide the extra liability protection you need.

Collision:

• Covers damage to your car in an accident, should reflect the value of your vehicle.
• We can help you find the balance between the cost of collision insurance and the value of your car.
• It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000.
• But if the car is worth a bit more, you probably want this coverage.

Comprehensive:

• Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. 

Medical:

• Provides for medical expenses to you and your passengers that are the result of an accident.
• The way you use your car may make a difference in the amount of medical coverage you need.
• For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly solo.

Uninsured Motorist:

• Pays when you're in a wreck with someone who has no insurance. This last type of coverage is essential.

True protection comes from understanding your unique situation, and applying coverage accordingly.  Consider these factors as you speak with us. Once you understand the language, you'll be able to apply the best policy for your needs, and maybe even impress your friends with your mastery of the lingo.

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Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.