Auto Insurance

Whether you have one car or a fleet, a single driver or several, we will find you an affordable insurance program that protects you properly. We are here to counsel you on the appropriate limits and coverages to fit your needs and, more importantly, your budget.

We offer policies that can cover any vehicle of any model year.

What is Auto Insurance?

Essentially, auto policies provide coverage in three main parts:

  • Property coverage: Damage or theft
  • Liability coverage: Legal responsibility for bodily injury or property damage
  • Medical coverage: Cost of medical treatment, lost wages or final expenses

Auto insurance is a contract between you and the carrier. The Agreement:
The Insured (You) agrees to pay a premium and the Insurer (Carrier) agrees to pay for losses as defined in the contract (policy).

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, the lender may also have requirements.

Why Do You Need Auto Insurance?

Besides being a legal requirement in many states, insuring your vehicle can protect you against financial loss in the event of an accident where someone is injured.

Auto insurance pays when your vehicle is stolen or for covered damage to your vehicle in the event of a covered claim. Your auto policy can reimburse you for extra costs stemming from the accident, like towing and a rental car. Some policies even provide special services like roadside assistance or towing after a breakdown.

Questions to Ask Your Agent

As an Independent Agent we serve as advocates for our clients. We are committed to finding auto coverage that meets your specific needs. Please consider the following before we talk:

  • How much can you afford to pay if you get in an accident?
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available?


Your bike is your baby, we get it. We can provide coverage that will ensure your motorcycle is taken care of properly. From classic cruisers to today’s touring bikes, we have the custom-tailored coverage designed just for you and your ride.

Francis Hall Insurance Services