Vehicle Insurance

Your vehicle insurance policy will typically cover liability for injuries and property damage you cause to others as well as damage to your own vehicle in collisions and non-collision events like theft, vandalism, or natural disasters.

In most cases, anyone who has your permission to drive your car is covered by your insurance policy. However, coverages can vary depending on your policy or insurance company. We’ll help you find the policy that fits your needs and budget.

• Collision insurance pays for the repair or replacement of your vehicle when it is damaged in a collision with another vehicle or object, regardless of fault. It applies to accidents involving your vehicle.
• Comprehensive insurance covers damage to your vehicle not caused by a collision. This includes events such as theft, vandalism, natural disasters like hail or flooding, hitting an animal, or damage from falling objects like a tree.

Many vehicle owners choose to have both types of coverage to protect against the wide range of risks out there.

Your driving record can significantly affect your insurance premium. If you have a clean record without any accidents or traffic violations, your premium is likely to be lower. However, if you have a history of accidents, speeding tickets, or other moving violations, you’re likely to pay a higher premium because you’re considered to be a higher risk. It will save you money if you maintain a good driving record by keeping your insurance costs lower.

Here’s what you’ll need to get a vehicle insurance quote:

• Personal Information – name, address, date of birth, social security number (SSN), driver’s license number, occupation, and marital status
• Vehicle Information – make, model, year, vehicle identification number (VIN), and usage details.
• Driver Information – information for all drivers in the household including driver’s license numbers, date of birth, social security number (SSN) and details of any accidents or traffic violations in the last few years for each driver.
• Coverage Preferences – preferred types (liability, collision, comprehensive, etc.), coverage limits and deductibles you prefer.
• Previous Insurance Information – details of your current or previous auto insurance including the insurer’s name, and expiration date (if applicable).

It depends on state regulations, ownership status, and how you’re using the RV when it’s not being driven if you need insurance or not still. Typically, if you’re financing your RV through a loan, you need insurance even if it’s not in use. Some states and insurance companies will require you to have a specific kind of storage policy during the off-season. You may need liability insurance to protect you and your RV in case something happens while it’s parked or in case of theft, vandalism, or natural disasters.

• Motorhome insurance covers motorhomes, which are self-propelled vehicles like RVs or camper vans. This typically includes liability, collision, and comprehensive coverages and may offer options to include personal belongings and attached accessories.
• Travel trailer insurance is designed for non-motorized towable trailers such as fifth-wheel or standard travel trailers. This covers the trailer itself and its contents but does not cover the vehicle towing it. It typically includes liability, collision, and comprehensive coverages and personal property within the trailer.

We’ll work with you to determine the best type of coverage policy available for you to fit your needs and budget.