Vehicle insurance

If you own a vehicle, insurance is a must-have. We work with a number of top-rated insurance carriers to help you find the right coverage at the right price.
 

Auto insurance coverage

Auto insurance typically includes three main types of coverage:
 

Liability coverage

Provides protection against legal liability related to the ownership or operation of an automobile. This is the only coverage required by law.
 

Collision coverage

Protects against damage to your vehicle resulting from a collision with another vehicle or object.
 

Comprehensive coverage

Protects against loss or damage caused by events other than a collision, unless excluded in your policy.

Optional coverage

Additional coverage options may include:
  • Rental
  • Towing

Potential discounts

You may qualify for discounts such as:
  • Multi-car policy
  • Good student
  • Safe driver
  • Mature driver

Boat, motorcycle, and ATV insurance

Recreational vehicles are fun—but it’s important to make sure they’re properly covered. Many standard home insurance policies only provide limited protection, especially when equipment leaves your property.
 
If you use your recreational vehicles regularly, a specialty policy may provide the additional protection you need.
 

Things to consider

Boats

  • Some policies exclude coverage for boats over 26 feet or more than 50 horsepower
  • Is your trailer covered?
  • Is personal property and fishing equipment covered?
  • Are accidents involving uninsured or underinsured boaters covered?
  • Is towing covered if your boat breaks down on the water?
  • Does your policy cover repair or replacement of key components like the lower unit or outdrive?
 

Motorcycles

Many riders customize their bikes with added features that can be expensive to replace. Make sure your policy covers custom parts, accessories, and upgrades before heading out on the road.
 

ATVs & Snowmobiles

  • Does your policy include off-road coverage and liability protection?
  • Do you need coverage to replace your vehicle?
  • Are custom parts and accessories covered?
  • Are genuine manufacturer parts important to you?
  • Is your trailer covered?
  • Are accidents involving uninsured or underinsured drivers covered?
Specialty policies are often available for less than $75 per year, with additional discounts and deductible options.
 

Protect yourself

An Insurance Advisor can help you build a policy that fits your needs and identify discounts that may lower your premium.
 
If you have questions about insurance, would like a free quote, or want to review your current policy, call 1-800-443-6316.