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You just bought a brand new car and now you need auto insurance rates. Or perhaps you got your bill from one of your auto insurance companies and it is higher than you were expecting. You want some options with your car insurance. That is where we come in. We are an independent agency which means that we work with many insurance companies. We can provide you with multiple auto insurance rates based on your needs. Auto insurance rates are based on each individual auto insurance companies guidelines so it is important that we shop for the best auto insurance policy for you.

First we need to do a needs assessment and we will also ask you for some information which pertains to obtaining the auto insurance rates options that you are looking for.

• The year, make, model, body type, and safety features of your cars.
• The age and gender of all drivers in household
• The driving records of same drivers?
• Your marital status?
• Your credit history?
• Your usage of the car? (are you using the car for work or pleasure)
• If work – how many miles to work is it?
• Home ownership and occupation?
• What kind of coverage limits do you want – see below?
• Where the cars are garaged?
• Your approximate mileage?

We have the auto insurance companies that you need. As your advocate, we give you the expertise and industry knowledge to guide you through the process. During the process, we also consider which of the auto insurance companies offers the type of coverage you desire. Let us do the homework and find the best fit for your unique car insurance needs. We work on your behalf to shop you with our auto insurance companies that are best suited to fulfill your individual car insurance needs and to make sure you get the cheapest auto insurance premiums yet still meet the important coverages that you need.

How much coverage should you have?

The low cost of increased limits.

By having your auto insurance policy reviewed with one of our agents at least one time per year, we can make sure that you are getting the right protection for your family. Our agents know what the legal limits are and will make sure that you exceed those limits but also that your limits are not too high. This is how you pay the most optimum premium. You must have an auto insurance policy according to state laws. Many drivers assume that this state minimum coverage is enough, but in many cases that level of protection is completely inadequate. It is therefore important for every driver to evaluate their own auto insurance needs in order to determine the best level of coverage. Our agents can help you do just that.

The state minimum is rarely enough. When a state passes a law mandating that every driver carry an automobile insurance policy they consider a number of factors, but affordability is often near the top of the list. If the legislature is going to make people purchase auto insurance policy, then they need to allow it to be affordable. For this reason in many states, the state minimum for an auto insurance policy is much too low. Policies are more affordable, but the drivers that choose state minimum are without the protection they really need. The more you have to protect, the more auto insurance coverage you will need.

Most people assume that increasing limits on their Auto insurance policy from the state mandated minimum coverage levels to something more realistic will be very expensive. We have found that this is not necessarily the case. Depending on the company, people can increase their limits from the minimum set by their state to $300,000 worth of coverage or more for only a small increase in their autto insurance premium levels.