• A complete analysis of your insurance needs.
• We design a responsible protection program for you.
• We select the company or companies best suited to your situation.
• We present you with a competitively priced proposal.
• We move quickly to get fair, prompt settlement of your claims.
• We periodically review the adequacy of your insurance program.
• We look for ways to save you money.

12 WAYS TO SAVINGS WHEN YOU BUY AUTO INSURANCE

1. Opt for a Stable Insurer
   While most insurers provide fair settlements, time is money too. Be sure the carrier you choose has a reputation for fast claim service.
2. Don’t Over-Insure
   Choose only the coverages you need. For example, if your car is over 5 years old, maybe you should drop collision coverage.
3. Don’t Under-Insure
   Saving a few dollars up front could cost you a significant amount of money at a time of loss.
4. Select the Right Deductible
   By “self insuring” what you can afford, deductibles can save you significant premium dollars.
5. Choose the Appropriate Limits
   Don’t underestimate jury awards…often they are astronomical. Consider liability coverage carefully.
6. Excess Liability
   This is economical coverage that picks up where your auto (and homeowners) liability leaves off. It can save huge amounts in the event of a large judgment against you.
7. Ask About Discounts
   Some insurers offer multiple car discounts and safe driver discounts…even discounts based on years of experience or retirement status.
8. The Comprehensive Coverage Question
   Without this option, you will not be paid for fire, theft, vandalism or other losses out of your control.
9. Uninsured Motorist Coverage
   This is an important dollar saver in the event you are the victim of a hit and run driver, or one without insurance.
10. Towing and Replacement Vehicles
    Following an accident, without this coverage, you might have to go “out-of-pocket” to move your auto or rent a replacement car.
11. Collision Coverage
    If you have a car loan, this insurance is required but you should protect your interests too in the event your car is badly damaged by unknown persons.
12. Talk To Us
    This is MOST IMPORTANT! We’re independent agents representing several companies that want to compete for your business. We “shop” for you.