In order to protect you and your loved ones from costly car accidents, it's vital that you have the proper car insurance coverage for your unique situation. With all of the different auto insurance options available through companies we represent, the Insurance Store is here to make sure you understand which company will best fit your needs.

Basic Auto Insurance Coverage's

* Bodily injury to others (Bodily Injury Liability)
* Personal injury protection
* Bodily injury caused by uninsured motorists (UMBI)
* Damage to another person's property (Property Damage Liability)

Optional Extended Car Insurance Coverage's

* Optional bodily injury to others
* Medical payments
* Comprehensive and Collision
* Towing reimbursement
* Rental car

Frequently Asked Questions

When purchasing auto insurance what should I consider?

There are several things you should consider when purchasing automobile insurance:

* Purchase the amount of liability coverage which helps you to feel comfortable and adequately protected.
* Select the optional coverage's that make sense to you.
* Decide which company will best handle your car insurance.
* Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance. An Insurance company is only as good as its claims service and customer service.

Does my insurance policy cover a friend if I loan him/her my car?

Yes. They will be covered under your personal automobile insurance policy. This is not true for business auto or commercial auto policies.

What is collision physical damage coverage?

A Collision occurs when the auto that you are driving runs into an object or another vehicle.

What is comprehensive physical damage coverage?

Comprehensive coverage is some of the best and least expensive coverages that you can get. Comprehensive insurance covers you for everything other than collisions. Comprehensive insurance can also help protect your car from falling objects, fire, flooding, or theft.

How can I lower my car insurance rates?

There are many ways to lower your car insurance rates. Almost all of the insurance companies will give you deep discounts for being a member of motor clubs such as AAA or even by joining the farm bureau can give you a discount. Make sure to ask if there are any association discounts and your agent will be able to tell you which memberships can help to lower your car insurance rates.

Another way is to make sure that you look around for competitive pricing. Our independent agents work with a variety of different auto insurance companies and can provide you comparative rates and insure that your are getting the same coverage for a better price.

In every case, changing your deductible will effect the price of your auto insurance. By raising your deductible you may lower the cost of your automobile insurance by as much as 10%. You must be able to pay the deductible amount in the case of a claim.

Some examples of other discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.