Auto insurance
Auto
Personal auto for families, commuters, teen drivers, and multi-vehicle households.
Auto rates moved hard over the past few years, and most of it had nothing to do with your driving. Used vehicle values jumped 30–35% year over year during the chip shortage, and vehicle values feed directly into property damage, comprehensive, collision, and uninsured motorist pricing.
The coverage that matters most on an auto policy is the part nobody shops on: liability and uninsured/underinsured motorist limits. Those are the limits that pay when someone else cannot.
The checklist
What gets confirmed on a auto policy
Liability limits above the state minimum
State minimums have not kept up with the cost of a serious injury claim. This is the cheapest limit to raise on the whole policy.
Uninsured and underinsured motorist
This is the coverage that responds when the at-fault driver has nothing. It is the reason this agency exists.
Telematics enrollment
A 90-day look at driving habits can cut premium up to 30%, and not only on the young driver.
Good student and driver training discounts
Most carriers want a 3.0 or better. A driver safety course runs about $35 and stays effective up to three years where allowed.
Rental and towing
Small dollars. Worth having when a repair shop is booked out three weeks.
Common questions
Auto questions we get asked
When do I have to add my teenage driver?
It varies by carrier, but the rule of thumb is the day they are licensed. Confirm with your carrier, because the answer changes the date coverage attaches.
How do I keep a teen driver from doubling my premium?
Stack the discounts: driver safety course, a 3.0 GPA, telematics, limited night and weekend driving, and a newer used vehicle with strong crash ratings insured for liability only. Together those can bring the increase back to something manageable.
Does an older vehicle always cost less to insure?
No. Really old vehicles do not always keep premiums down, because safety features and crash statistics are a major rating factor. Compare rates on a few vehicles before you buy.