The Insurance Store


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Personal auto insurance is a complicated area. Many insurers lead you to believe that discussing this subject with an inexperienced telemarketer is a quality substitute for having a personal agent. Don't buy into that theory for a minute.

Personal Auto Insurance Policies

Through our years of experience, The Insurance Store, can prove time and time again that there is no substitute for having an agent to guide you. Price is part of the issue, not the entire issue. We will give you prices from other companies, AND we can SELL you those other companies. The bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage. Talk to us about the unique features of our auto plans. Call or email us to find out the latest coverages available or complete our online information request form or our online quote form.

Most personal auto insurance policies provide these basic coverages:

Bodily Injury Liability

Covers accidental injury or death of another person if caused by you in an automobile related accident. 

Property Damage Liability

Covers accidental damage to other people’s property if caused by you in an automobile related accident. 

Defense Costs

Covers court costs, legal expenses and attorney’s fees. 


Covers you for damage to your car in an accident, regardless of who was at fault. 

Other Than Collision

Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils. 

Personal Injury Protection

Covers you and your family who sustain bodily injury caused by an accident involving the use of an automobile, for medical expenses, income continuation, essential services, death benefit and funeral expenses. 

Uninsured / Underinsured Motorist

Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver. 

What to do if you have an auto accident:

Aid The Injured

1. Don’t move injured individuals unless absolutely necessary.
2. Warn other drivers.

Call The Police

1. Give the exact location and advise if medical help is needed.
2. Write down the name and badge number of police who assist you. Are they state or local police, or the county sheriff’s deputies?
3. Was anyone given a ticket? If so, who?
4. Was anyone injured? If so, see “Obtain Facts About Injured Person(s).”

Record The Facts About Your Vehicle

1. Date, time and location of accident
2. Driver’s name, age, address and telephone number
3. Name of driver’s employer
4. Nature of damage to your vehicle

Obtain Facts About Other Vehicle(s)

1. Driver’s name, address and telephone number
2. Make and year of vehicle, license number and registration number
3. Insurance company’s name, address and telephone number
4. Nature of damage to the other vehicle(s)

Obtain Facts About Injured Person(s)

1. Name, age, address, and nature of injury of anyone injured.
2. Was injured in policyholder’s vehicle, in other vehicle, or a pedestrian?
3. Nature of Injury.
4. Where were they taken, or treated?

Record Facts About Other Property Damaged (Non-Vehicles)

1. Property owner’s name, address and telephone number
2. Object Damaged
3. Nature of Damage

Get Witnesses

1. Get the name, address and telephone numbers of at least two people who saw the accident.

Describe The Accident

1. Describe what happened and draw a complete diagram of the area showing your vehicle and other vehicles involved.
2. Indicate North direction.
3. Include the city and state, as well as street or highway number.

*Don’t forget to call your auto insurance agent.

1. Buy a Low Profile Car

Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.

2. Consider Insurance Cost When Making a Move

Costs tend to be lowest in rural communities and highest in cities where there is more traffic congestion.

3. Find out about Automatic Seat Belt or Airbag Discounts

You may be able to take advantage of discounts on some coverage’s if you have automatic seat belts and/or airbags.

4. Ask About Anti-Lock Brakes

Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with the brakes, and some insurers have a nationwide discount in place.

5. Inquire About Other Discounts

Some insurers offer discounts for things like no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, good grades for students and having more than one car insured with that company.

6. Ask for Higher Deductibles

Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%.

7. Drop Collision and/or Comprehensive Coverages on Older Cars

It may not be cost effective to have collision or comprehensive coverage’s on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of your car.

8. Take Advantage of Low Mileage Discounts

Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.