Auto Insurance
What do you want from your Car Insurance?
You haven’t had an accident in years. Wouldn’t it be nice to get something back for a change?
Or say you do get into an accident. On top of possibly paying a deductible, your insurance rates could go up.
Now there’s Your Choice Auto® – It rewards your safe driving or forgives an accident – starting the day you sign up.
Your Choice Auto
- Accident Forgiveness
- If you get into an accident, Accident Forgiveness can help keep your rates from going up just because of it — starting the day you sign up.
- Deductible Rewards
- You’ll get an immediate $100 off your deductible the day you sign up. Then you’ll get $100 off for each additional year you don’t have an accident — up to $500 total.
- Safe Driving Bonus
- Now you can get up to 5% off your renewal bill for every 6 months you avoid a crash.
- New Car Replacement
- For an additional premium, New Car Replacement can help protect your new car so that if it gets totaled within the first three model years, you can get a new car.
Terms to Know
Collision Coverage: Helps pay for damage to your insured vehicle caused by a covered accident with another vehicle, a rollover, or a collision with most anything else, such as a tree.
Comprehensive Coverage: Helps pay for damage to your insured vehicle caused by falling objects, fire, theft, vandalism, hitting a deer and certain other noncollision losses.
Property Damage Liability Protection: Typically provides coverage if you* are legally liable for damages to another’s property resulting from a covered auto accident.
Bodily Injury Liability Protection: Typically provides coverage if you* are legally liable for damages resulting from a covered auto accident where others are injured or killed.
Medical Payments Coverage: Typically provides protection for reasonable and necessary medical expenses incurred as a result of bodily injury sustained by you* in a covered accident.
Personal Injury Protection (pip): Typically provides coverage for certain expenses incurred by you* due to an accident, such as medical, hospital and funeral expenses. Lost wages benefits may also be included.
Uninsured/Underinsured Motorist Bodily Injury Coverage: Typically provides coverage if you* are injured or killed in an accident caused by a negligent driver without applicable or adequate insurance to cover your damages. In some states, underinsured motorist coverage is part of uninsured motorist coverage. In other states, they are separate.
*Includes covered drivers and passengers
I’ve lived in Orange County my entire life. Through the years, I’ve come to know many local families and developed many relationships. This local connection has helped me better understand the needs of my customers, especially when it comes to their financial needs. From retirement accounts to college savings plans, I’m available to help my customers with a variety of financial products.