Auto Insurance is designed to protect both you and your car in the event of accident, theft, injury and other damages. Please ask one of our agents about our home and auto discount package. Listed below are coverages available for an auto insurance policy.
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BODILY INJURY LIABILITY: This coverage provides protection against financial loss should your auto injure others and you are held liable. Includes such expenses as medical bills and lost wages. You are covered up to the policy limit per one individual and to an increased limit for an accident injuring two or more people.
COLLISION: This coverage pays for damages to your auto which are caused by collision with any object or overturn of your auto. It pays to the policy limit, minus the deductible amount you select, or to the actual value of the auto.
COMBINED SINGLE LIMIT: This provides a single liability limit for any damages caused by your auto. For example: You could have a 50,000/100,000 bodily injury limit and 25,000 property; or one single limit for all claims combined, such as 100,000. This would give you $100,000 protection for all damages, bodily injury or property, per each occurrence.
COMPREHENSIVE: This coverage pays for loss or damage to your auto (other than collision) when caused by theft, wind, fire, vandalism, explosion, or any other covered peril. It pays to the policy limit, minus the deductible amount you select, or to the actual value of the auto.
DEATH AND DISMEMBERMENT: Payment will be made in the event you or your spouse are injured in a auto accident or as a pedestrian hit by an auto, and death or dismemberment results.
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Below is a list of vehicles we can provide insurance for:
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CL
MDX
NSX
RDX
RL
RSX
TL
TSX
| Coupe
SUV
Coupe
SUV
Sedan
Coupe
Sedan
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Audi
Audi
Audi
Audi
Audi
Audi
Audi
| A3
A4
A6
A8
Q
S
TT
| Wagon
Sedan
Sedan
Sedan
SUV
Sedan
Coupe
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BMW
BMW
BMW
BMW
BMW
BMW
BMW
| 3 Series
5 Series
6 Series
7 Series
M Series
X Seies
Z Series
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Sedan
Sedan
Sedan
Sedan
SUV
Coupe
Coupe
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Buick
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All Models
| All Styles
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Caddillac
| All Models
| All Styles
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Chevrolet
| All Models
| All Styles
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Chrysler
| All Models
| All Styles
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Dodge
| All Models
| All Styles
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Ford
| All Models
| All Styles
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GMC
| All Models
| All Styles
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Honda
| All Models
| All Styles
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Hummer
| All Models
| All Styles
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Hyundai
| All Models
| All Styles
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Infiniti
| All Models
| All Styles
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Jaguar
| All Models
| All Styles
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Kia
| All Models
| All Styles
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Land Rover
| All Models
| All Styles
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Lexus
Lexus
Lexus
Lexus
Lexus
Lexus
Lexus
| ES
GS
GX
IS
LS
LX
RX
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Sedan
Sedan
SUV
Sedan
Sedan
SUV
SUV
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Lincoln
| All Models
| All Styles
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Maybach
| All Models
| All Styles
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Mazda
| All Models
| All Styles
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Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
Mercedes-Benz
| C Class
CL Class
CLK Class
E Class
G Class
ML Class
R Class
S Class
SL Class
Slk Class
| Sedan
Coupe
Coupe
Sedan
SUV
SUV
Van
Sedan
Coupe
Coupe
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Mercury
| All Models
| All Styles
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Mini
| All Models
| All Styles
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Mitsubishi
| All Models
| All Styles
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Nissan
| All Models
| All Styles
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Pontiac
| All Models
| All Styles
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Porsche
Porsche
Porsche
Porsche
Porsche
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911
Boxster
Carrera
Cayenne
Cayman
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Coupe
Convertible
Coupe
SUV
Coupe
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Saab
| All Models
| All Styles
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Saturn
| All Models
| All Styles
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Scion
| All Models
| All Styles
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Subaru
| All Models
| All Models
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Toyota
| All Models
| All Styles
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Volkswagen
| All Models
| All Styles
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Volvo
| All Models
| All Styles
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Below are some helpful articles:
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Tips For Protecting Boats And Motorcycles
Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape.
Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Ford Insurance Agency:
• Evaluate your specific needs. Insuring a boat or a motorcycle is different than insuring your car or home. A specialized motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy.
• Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services such as emergency on-water towing and fuel-spill cleanup. You probably wouldn’t get this coverage by adding a boat to a homeowner’s policy.
• Consult with an independent agency – like Ford Insurance Agency. Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverages, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.
“An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike,” said Jim Lloyd, of the Progressive Group of Insurance Companies. “Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing auto or homeowner’s policy, but independent agents and brokers can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you.”
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Putting Insurance Companies to work for you
Car insurance may be one of the last things that comes to mind when you think about saving time, but the insurance company you choose can actually have a big impact on your time should trouble strike. If you’re in an accident that results in a claim, you could spend days handling the claims/repair process yourself.
That’s one reason it’s a good idea to check out insurance options that can save you time. For instance, the concierge-level of claims service offered by The Progressive Group of Insurance Companies is a unique claims repair option that takes only 15 minutes to complete. Simply drop off the damaged vehicle at one of Progressive’s facilities offering this service and a claims representative handles the entire claims/repair process for you— from start to finish.
Here’s how the process works:
You can call or go online to report a claim—anytime of the day or night—and schedule an appointment to bring the vehicle to a nearby facility offering the concierge-level of claims service. In about 15 minutes, you’re in a rental car (if included on your policy) with assurance that you’ll receive updates from your claims representative.
Your claims representative prepares a repair estimate and contacts an auto body shop that has met strict quality requirements. Progressive and the shop reach an agreement on the cost of the repairs and the shop trans-ports the vehicle to the facility to begin repairs.
When work is finished, the vehicle is returned to the insurance facility, where your claims representative and the body shop inspect the repairs. After the insurance company is satisfied with the repairs, you are called to pick up your car. You inspect the repairs and, if satisfied, drive off with a guarantee on those repairs for as long as you own the vehicle.
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Keeping Fido safe on the road
Pet owners spend a whopping $40 billion on their furry friends each year. That’s enough to buy a gallon of gas for every man, woman and child in the United States … 44 times.
Insurance companies haven’t always viewed pets with the same passion as their owners. If you’re in an accident, generally everyone in the car - except your four-legged friend - is covered.
The Progressive Group of Insurance Companies now recognizes Fido and Fifi as family members. A Progressive policy with Collision coverage now extends to cats and dogs. The coverage pays up to $500 if your dog or cat is hurt or dies as a result of a car accident.
And, best of all, the coverage is free.
"We know how much our customers love their dogs and cats. Many of us have pets, too, and we feel the same way," said Geoff Souser of Progressive. "Progressive has a long history of product and service innovations that prove you can teach an old dog new tricks. Knowing that most people think of their pets as family members, it felt like the right thing to do."
Progressive’s pet injury coverage is available in most states.
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MEDICAL PAYMENTS: This coverage provides protection against financial loss when you or others in your auto are injured. It includes such expenses as medical bills and surgery. You are covered up to the policy limit, regardless of who is at fault. This coverage will help fill in the gaps you may have in your own personal or family health plan.
PERSONAL INJURY PROTECTION: This coverage provides protection in the event you are injured in an auto accident. Expenses such as medical and rehabilitation cost, wage-loss, replacement services, and funeral costs are covered up to thepolicy limit regardless of who is at fault.
PROPERTY DAMAGE LIABILITY: This coverage provides protection against financial loss should your auto damage the property of others and you are held liable. This includes property such as an auto, house, fence, or building. You are covered up to the policy limit for each separate occurrence.
RENTAL REIMBURSEMENT: This coverage pays for the rental of an auto, up to a stated limit, when your insured auto is disabled due to a collision or comprehensive damage.
SOUND EQUIPMENT: This coverage pays for loss of a non-factory installed sound system which is used to transmit, receive, or reproduce sound. This endorsement also covers loss of CB radio, telephone, CD unit, scanning monitor, antennas, speakers and other accessories used with your sound equipment.
TAPES AND CD'S: This coverage pays for the loss of tapes and CD's, if damaged or stolen from your insured auto, up to the stated limit.
TOWING AND LABOR: This coverage pays for towing and emergency labor costs when the insured auto becomes disabled while on the road, up to a stated amount.
UNDERINSURED MOTORIST: This coverage pays the difference between the amount you are entitled to receive for an injury and the actual amount of insurance carried by the driver responsible for your injuries. You and your passengers are covered up to the policy limit.
UNINSURED MOTORIST: This coverage pays for expenses that you and your passengers incur as a result of injury caused by an uninsured motorist. The coverage also pays you and your family members up to the policy limit if you are a victim of a hit-and-run accident or are struck by a vehicle as a pedestrian.
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Below are some helpful articles:
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Three Tips To Help Your Vacation Get Off To A Worry-Free Start
With vacation season in full swing, you may be in the process of planning an annual getaway. While most people spend lots of time looking for ways to maximize their budget, one costly decision is often left to the last minute—whether to buy the optional insurance offered by a rental car company.
“Deciding whether to buy ‘damage waivers’ or insurance at the rental car counter can be a confusing experience—especially if you don’t know if you’re already covered by your personal auto insurance policy,” said Rick Crawley of the Progressive Group of Insurance Companies. “Optional rental car insurance can cost between $7 and $25 per day, depending on the rental car company, vehicle make and model and type of waiver. Those daily charges can significantly add to the cost of your rental.”
Follow these three tips, courtesy of Ford Insurance Agency, Inc, to help you decide whether or not you should buy the coverage:
1. Consult with an independent insurance agency – like Ford Insurance Agency, Inc. As licensed insurance professionals, independent insurance agents and brokers can review and evaluate your policies to find out if the coverage you have on your personal vehicle provides protection for you in a rental car.
2. Check with your credit card company. Some credit card companies provide coverage at no charge if you use their card to charge the cost of the rental. However, some restrictions may apply so be sure to ask for a description of the exact coverages provided.
3. Take your personal auto insurance policy and details of your coverages with you to the rental car counter. You may be asked a question that these papers can help answer—or, if you’re in doubt, you’ll have your agent’s name and phone number readily available. “We want people to have the information they need to make more informed decisions about car insurance,” said Crawley.
“Knowing whether you need to buy additional coverage can save you money and give you peace of mind so you can enjoy your vacation. Don’t start off your trip questioning your decisions—take control by talking with your independent agent or broker and knowing the answers to those inevitable questions.”
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Protect your toys on the playground of life
Once reserved for getting from one green to the next, many people now “putt” around retirement parks and condo complexes in golf carts.Golf carts are quickly joining the ranks of ATVs, snowmobiles and personal watercraft as a favorite toy for grown-ups.But what happens if these items get stolen or damaged?
Make sure you’ve got the right combination of coverage and service to get you back on the trails and waterways quickly.
"One of the biggest benefits of specialized ‘toy’ insurance is that it covers you just about anywhere you want to go," says Marcy Gray of Progressive.
When it comes to big-kid toys, you can’t afford not to insure them. While fun to own, they can be costly to repair. If you add one of these to a homeowners policy and trouble occurs off your property, you could be on the hook.“Specialized coverages go well beyond the bare-bones coverage you get with a homeowners endorsement,” says Gray. “Stand-alone policies cover you for things like towing and accessory theft. Companies that sell specialized policies also generally have claims reps trained to get you back on the ‘playground’ fast.”
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Below are some articles in Spanish:
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Mantener a su perrito seguro en la carretera
Los dueños de mascotasgastan la asombrosa cantidad de $40.000 millones mimando a sus animalitos cada año. Eso es suficiente para comprar 44 galones de gasolina para cada hombre, mujer y niño en los Estados Unidos.
Las compañías de seguro no siempre han considerado a las mascotas con la misma pasión que sus dueños. Si usted está en un accidente de auto, generalmente todos los pasajeros están cubiertos, ¡excepto su mascota! Las compañías de seguro de Progressive Group ahora reconocen a su perrito y gatito como miembros de la familia. Ahora, una póliza de Progressive con cobertura de coli - sión incluye gatos y perros. La cobertura paga hasta $500 dólares si su perro o gato resulta herido o muere
como resultado de un accidente. Y lo mejor de todo, la cobertura es gratuita.
“Sabemos cuánto nuestros clientes aman a sus perros y gatos. Muchos de nosotros también tene mos mascotas
y nos sentimos de la misma manera”, remarcó Geoff Souser de Progressive. “Progressive tiene una larga historia de innovaciones en productos y servicios que comprueban que podemos aprender e innovar.
Sabiendo que la mayoría de las personas piensan que sus ma scotas son parte de su familia, tuvimos que
hacer lo que se debe”. La cobertura de lesiones de mas - cotas de Progressive está di sponible en la mayoría de los estados.
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Usa su vehículo personal para su negocio?
No todos los seguros de auto son iguales. Una póliza de seguro personal para el auto generalmente no cubrirá daños a su carro si usted lo usa para propósitos comerciales.
Aún si su póliza personal tiene cobertura de “uso comercial”, usted puede enfrentar una pérdida cuando sucede un accidente, especialmente si sus límites de responsabilidad no son suficientemente altos para cubrir los daños.Asegúrese de estar protegido. Llame a su compañía de seguros o agente independiente y pregunte lo siguiente:
¿Cómo se define el “uso comercial”? Algunos aseguradores pueden definirlo simplemente como cobrar por el transporte demercadería. Esto puede incluir los siguientes servicios:
•entrega de pizza y periódicos;
•provisión de banquetes;
•servicios de consulta de puerta en puerta;
•servicios de paisajismo o limpieza de nieve; o
•servicios de transporte de guarderías o de iglesias. Aún los agentes inmobiliarios pueden calificar. ¿Está usted dentro de alguna de estas categorías? Considere una póliza de vehículo comercial.Aquí hay algunas preguntas que debe hacer para determinar si el seguro de autos comerciales es adecuado para usted.
•¿Cuáles son mis límites de responsabilidad? Por lo general, una póliza de autos comerciales puede ofrecer límites más altos de responsabilidad. Los vehículos más grandes, como camionetas de reparto, pueden causar más daño que los carros de pasajeros.
¿Mi póliza personal me cubre para cuestiones específicas demi negocio? Por ejemplo, si usted tiene un vehículo de remolque que daña a otro vehículo durante una obra, una póliza de responsabilidad personal puede no cubrir las reparaciones. Una póliza comercial sí lo hará.
¿Tengo empleados que conducen mis vehículos? Por lo general, si otras personas conducen sus vehículos para trabajar, usted necesita una póliza de autos comerciales. Usted también necesita una póliza de autos comerciales si su vehículo carga herramientas o equipo que pesan más de 500 libras, si realiza entregas o si requiere clasificación interestatal para empresas de contratación de camiones.
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