Contact us to manage your existing police and report a loss or stop by our office when you are here in Clarkson. Use Important Links for payments direct to most companies and the Employee Directory for additional contact information in neighboring Howells, Leigh, Dodge, Schuyler, Stanton, Columbus, and Norfolk, NE.
Call today to save on insurance for your car. Whether you have the perfect driving record, require a SR22 filing, or anything inbetween we have the Ins Company to fit your needs. New cars discounts, super classic auto quotes, multi-policy credits, multi-car discounts, young driver credit for Drivers ED & Good Student all let us help you save.
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What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability, medical and uninsured/underinsured motorist coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
- Uninsured motorist coverage assures your bodily injury protection from those without liability to State minimums.
- Unrerinsured motorist coverage allows you to raise that State minimum to your own BI liability limit.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Serving Clarkson, NE and surrounding communities of Howells, Leigh, Dodge, Schuyler, Stanton, Columbus and Norfolk, Nebraska over 25 years.