We accept most cars and drivers
We specializes in "nonstandard" or "specialty" auto insurance & SR 22, which is auto insurance for people who are new, or relatively new, to the auto insurance market, or who have been dropped by their former insurance carrier because they received speeding citations, were involved in one or more automobile accidents, received D.U.I. convictions, allowed their coverage to lapse or for similar circumstances. We offer quality coverage for practically any driver - and not just for those with "problems" - so you can still find a good price for your auto insurance needs.
Low down payments, convenient monthly payments
We realize that you have other things you want to spend your money on. Therefore, it is our goal to offer low down payment options to every policyholder coupled with convenient monthly payments plans if you so choose. In most cases we combine our budget-sensitive payment plans with electronic verification of driver information and vehicle information when the customer is buying the policy so there are no surprises down the road.
Finding the Coverage That's Best For You
Automobile insurance can be a confusing subject. Which coverage options do you need? Are you paying too much for your insurance? Are you well protected against liability lawsuits?
These are just a few of the questions you need to ask when deciding on your automobile insurance protection. Here is a brief explanation of the available automobile insurance coverage's and the protection they provide.
Liability coverage
Bodily injury liability: Pays for injury to others caused by you and your legal defense costs up to the limit you have chosen.
Property damage liability: Pays for damages to someone else’s vehicle for which you are held liable, up to the limit you have chosen.
Collision coverage
Pays for damage to your car caused by collision with another car or object or by upset.
Comprehensive coverage
Pays for damage to your car caused by things other than collision or upset, such as fire, theft, or glass breakage.
Medical payments
Pays certain expenses for injury to you or occupants of your car, regardless of fault.
Uninsured/Underinsured motorists
Bodily injury: Pays hospital costs and other medical expenses for occupants of your car when injury is caused by uninsured or underinsured driver.
Property damage: Pays for damage to your car when caused by uninsured or underinsured driver.
Emergency road service
Pays a limited amount for towing or labor to repair your disabled car at the location where it breaks down.
Auto rental expense
Pays a certain amount per day up to a limited number of days for the cost of a rental car while yours is being repaired for a comprehensive or collision loss.
Collision coverage pays if your auto hits another vehicle or object.
Other-Than-Collision pays for losses which are not insured under Collision coverage, which include glass breakage, fire, theft or larceny, vandalism, windstorm, hail, water or flood and collision with an animal.
When you select "Coverage for Damage to Your Auto," The Coverage will pay up to $10 a day (maximum $300) for transportation expenses you incur if your auto is stolen.
Protecting Against Uninsured Motorists
If you're involved in an auto accident caused by a hit-and-run driver or by someone who has no insurance. Uninsured motorist coverage will pay for damages that you are legally entitled to collect. This coverage also provides underinsured motorists coverage in accordance with the laws of your state.
