Coverage for the Road Ahead—Wherever It Takes You
Coverage that fits your drive.
Whether you’re commuting to work, hauling gear, riding for fun, or keeping a classic under wraps, we’ll help you get the right auto insurance for how—and what—you drive. We work with multiple trusted carriers to offer options that actually fit your lifestyle, not just a generic checklist.
From basic state minimums to full coverage with extra perks, we’ll explain what matters and why—so you can drive with confidence.
What We Cover
Auto Insurance Options We Offer
Personal Auto Insurance
Cars, trucks, SUVs—basic to full coverage
Commercial Auto Insurance
Vehicles used for business, deliveries, or job sites
Classic & Collector Vehicle Insurance
Agreed value coverage for your prized ride
Motorcycle & Scooter Insurance
Bikes, scooters, and gear coverage
Snowmobile Insurance
On- and off-trail protection
ATV / UTV Insurance
Coverage for off-road recreation and utility
Golf Cart Insurance
Optional but smart if you use one off private property
What’s Typically Included
Understand Your Coverage
Auto policies are built using a few key parts. Here’s what we help you choose from:
Liability coverage
Required in Ohio; pays for damage or injury you cause
Collision
Covers your vehicle if you hit something (another car, tree, etc.)
Comprehensive
Covers theft, vandalism, hail, fire, hitting a deer & more
Uninsured/Underinsured Motorist
Protects you from others who carry too little insurance
Medical Payments (MedPay)
Helps with medical bills, no matter who’s at fault
Rental Reimbursement
Pays for a rental while your car is being repaired
Roadside Assistance
Covers towing, lockouts, and other common issues
We’ll help you build a policy with just what you need—nothing more, nothing less.
Why It Matters
It’s Not Just About Your Car
The right coverage can help protect:
Your savings
(from lawsuits or accident bills)
Your income
(if you're found at fault for serious injuries)
Your ability to keep moving
(with rental car or towing options)
Your peace of mind
(knowing your vehicle is properly protected)
Local Agents. More Carriers. Smarter Coverage.
As an independent agency, we’re not locked into one company. That means we can:
01
Compare prices across multiple insurers
02
Find discounts you may not know exist
03
Recommend the right policy—not just the cheapest one
04
Help you through claims, changes & questions anytime
We also insure motorcycles, ATVs, snowmobiles, and classic vehicles
—so your whole garage is covered.
Let’s Build Your Policy Together
Whether you’re adding a teen driver, updating an older vehicle, or insuring your side-by-side, we’ll make it easy.
Vehicle & Auto Insurance FAQs
How much auto insurance do I really need?
Ohio requires a minimum amount of liability coverage, but that often isn’t enough to fully protect your finances. We’ll help you figure out the right limits based on what you drive, your budget & your risk tolerance.
What’s the difference between comprehensive and collision?
Collision covers your car if you hit something (car, pole, tree). Comprehensive covers everything else—like fire, theft, hail, or hitting a deer. Most drivers carry both unless the vehicle is older or paid off.
Why did my car insurance go up?
Rates are rising across the board due to inflation, repair costs & claims trends. Even if you haven’t had a claim, your premium might increase. We’ll help you review options and look for ways to save.
Can I bundle my auto insurance with other policies?
Yes. Bundling your car insurance with home, renters, or even a farm policy often earns a discount. It also makes managing everything easier.
Do I need special insurance for my motorcycle or ATV?
Yes. These vehicles aren’t covered under your standard auto policy. We offer specific policies for motorcycles, ATVs, UTVs, snowmobiles & more—with options to cover the vehicle, liability & even your gear.
What’s agreed value coverage for a classic car?
Unlike standard auto insurance, agreed value coverage pays a set amount if your collector car is totaled—no depreciation or arguing over value. It’s a must for serious vehicle collectors.
Will my policy cover other people driving my car?
It depends on your coverage and who the driver is. Most policies cover occasional drivers with permission, but it’s best to check. We’ll walk you through it so there are no surprises.
