Auto Insurance

“Patty was great!  She really explained how much coverage I needed for my teen drivers and by consolidating my home insurance saved me more than my farmers with better coverage than Geico.”

Michelle B.
Menlo Park

 Auto Insurance

Auto insurance rates are comprised of many factors such as, type of vehicle, age of drivers, garaging location and driving record. If you are a homeowner, there is often a savings associated with bundling a home policy with an auto policy with the same carrier.

  • Personal auto
  • Business auto
  • Motorcycle
  • RV/ATV
  • Antique
  • Exotic

Auto Insurance FAQ’s

Q: When purchasing automobile insurance what should I consider?
Q: What is comprehensive physical damage coverage?
Q: How can I lower my automobile insurance rates?


Q: When purchasing automobile insurance what should I consider?

A: There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  • Purchase the amount of liability coverage which makes sense for you, minimum limits required by the state could potentially leave you uninsured or under-insured in the event of a loss.
  • Decide which company to purchase insurance from.
  • Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Q: What is comprehensive physical damage coverage?

A: Comprehensive (also know as; OTC or Other than collision) provides coverage for direct physical damage losses you could incur to your car from something other than a collision. An animal, vehicle or an object are all examples of what damage can occur to your vehicle other than a collision with another vehicle.


Q: How can I lower my automobile insurance rates?

A: There are several things you can do to lower the cost of your automobile insurance.
The single most effective way to lower your auto insurance rates is to maintain a claim and incident free driving record, the more incident free years, the better.

As a broker, I have access to many companies to find the best fit at the best price. I take the time to apply all the discounts you may be entitled to such as multi-car and multi policy discounts, association discounts and good student discount. I can also show you the impact on the premium if you raise your deductible. There are many ways to save without sacrificing coverage, let me show you how.