Service Insurance Agency - Auto Insurance

Auto Insurance

All too often, car owners don't know what their auto insurance policy covers and what is optional. Since cost is always a consideration, working with a Service Insurance agent to find just the right coverage is important.

The calculations for premiums include factors such as the age of the car, your driving record as well as the number of cars owned by a family. But having the wrong coverage can prove to be more costly than getting the right options up front.

Insurance can be confusing, but it doesn't need to be that way. We take the time to educate our customers, to truly evaluate their needs. As an independent agent, we provide a custom blend of options and prices from multiple insurance companies. This requires us to take more time up front, shopping around for the coverages that fit you best.

Anyone can put a quote form on the internet and tell you this is the best price, but that's not service - that's not making sure you have the appropriate coverages - that's a machine. Our personal approach means we take the time to understand your priorities and your budget. For example, perhaps raising your deductible could cut your cost, but that's not an option for everyone.

Liability Coverage

There are two primary forms of liability coverage: Bodily Injury Liability and Property Damage Liability.

  • Bodily Injury Liability coverage helps should you injure someone while operating your car by covering medical treatment.
  • Property Damage Liability covers the property portion should you damage someone else's car or property in an accident.

Uninsured Motorists

If you have an accident with a negligent driver that is uninsured, this coverage protects you.

Underinsured Motorists

This protects you if the negligent driver carries less insurance than you.

Personal Injury

Regardless of fault, this coverage contributes towards your medical expenses.

Collision Coverage

This coverage protects your car should you overturn your car, or if you strike another vehicle or object.

Other Than Collision Coverage

This coverage protects you from theft, glass breakage or collision with an animal.

Transportation Expense

If you cannot drive your car because of a covered loss, this coverage provides you with the cost of a rental vehicle.

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