Auto Insurance

The state of Ohio requires liability coverage for those who drive/own a vehicle. Liability Coverage ensures protection if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered. Bodily Injury and Property Damage are two facets of liability coverage, along with Medical Payments and Uninsured/Underinsured limits. If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs.

You will want to have Comprehensive Coverage, Collision Coverage, or both (Full Coverage).

Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.Some examples include:

Theft or Larceny

Vandalism and Glass Breakage

Fire Damage

Hail, Water, or Flood Damage

Hitting a Deer or Other Animal

Damage from Falling or Flying Objects

With Collision Coverage you can have property damage to your car insured under your policy as a result of an accident with another vehicle or object. This can include fender benders, hitting a guard rail, garage door, and sometimes potholes.

Both coverages require deductibles; determining the level of coverage depends on factors like the age and condition of your vehicle, as well as your financial situation. When quoting, we can help you find an option that fits your budget the best.

In addition to protecting you and your car from collisions, we also offer benefits that extend coverage or rewards to insureds. Some of our enhancements include Deductible Waiver, Loan Gap Coverage, Total Loss Replacement, and Minor Violation/Accident Forgiveness for better assurance. These coverages usually require that you carry Full Coverage:

Deductible Waiver gives you peace of mind if another party is at fault in a collision incident and either is found to have no active insurance policy or not enough coverage. Purchasing this coverage (full coverage required) allows your policy to cover your damages without collecting your policy deductible.

Loan Gap Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.

Total Loss Replacement if your vehicle is a total loss and two years old or newer, it will be fully replaced, sometimes by up to one model year newer.

Minor Violation & Accident Forgiveness ensures that your rates won’t increase because of a minor violation (like a speeding ticket) or an at-fault accident.

You are able to purchase both Roadside Assistance or Rental Reimbursement through most of our carriers. If you have a roadside emergency, like running out of fuel or engine trouble, you’ll receive fast, safe and reliable roadside service without the out-of-pocket cost with Roadside Assistance. The cost of getting you from point A to point B while your car is out of commission from a covered loss is reimbursed with Rental Reimbursement coverage.

Our carriers offer many discounts or ways to earn additional premium reduction:

Accident forgiveness- Your rates won’t increase after your first at-fault accident.

Multi-policy discount- Bundling your auto with a home, condo or renters’ policy can save you money.

Pleasure/Retired Drivers- get discounted rates when you aren’t commuting to work.

Good student discount- Earn a discount based on education information provided about a student on your policy.

Away at school car insurance discount- Receive a discount if a child on your auto policy is away for school.

Legacy loyalty car insurance discount- New policyholders who leave their parent or guardian’s auto policy may be able to receive this discount.

Safety technology discount- Get a discount if your vehicle is equipped with Automatic Emergency Braking and/or Blind Spot Warning technology.

Paid in full discount- Get a discount when your policy premium is paid in full.

Advance quote discount- Save on your policy when we quote in advance of the effective date.

OnTrack/Snapshot Safe Driving Apps- You’re in control of how you drive every day, our carriers reward you for safe driving through state-of-the-art smartphone apps..