• Factors such as your driving history, age, location, type of vehicle, coverage limits, deductibles, and credit score can influence your auto insurance premium.

  • Auto insurance is required by law in most states. It provides financial protection in case of accidents, damage to your vehicle, injuries to others, and liability claims. It also covers medical expenses, legal costs, and property damage.

  • Yes, it is the State law for all owners of a vehicle to have auto insurance.  It is your choice if you wish to insure for physical damage if there is not a lender involved.

  • Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident.  There are also options to choose “regular” and “limited”.  These options should be discussed with your agent.