Auto Insurance
Car and Truck Insurance - We Get You The Coverage You Need at an Affordable Price
Risks drivers may face
- You cause an accident
- You accidentally damage your own car
- Hailstorm/weather events/animal damages
- An uninsured driver hits you
- You can't work due to injury from a car accident
What kind of coverage do I need?
Most states require drivers to have liability insurance when they own a vehicle. At the very least you must by your state's minimum requirements. Drivers who lease or finance their vehicle are often required by the bank to also have comprehension and collision coverage.
How can I save money on my car insurance?
- Defensive driving course (hyperlink to defensive driving) - Good for three years
- Annual payment plans vs. monthly payments
- Autopay discounts
- Accident history
- Clean driving record
- Good credit history
- Shop different carriers - at Lia we do that for you!
- Raise your deductible
- Bundle your insurance (get home and auto from the same carrier)
- Low Mileage discounts
- Brand of car you drive
We Also Offer Classic Car Insurance!
Classic cars are considered to be at least 10 years old and have historical interest, but each insurer has different qualifications. Classic car insurance will cover liability, comprehensive, collision, and other specialized coverages. It works similarly to a regular auto policy with the added benefit of having coverage for the vehicle's agreed value.
- It cannot be a daily vehicle
- It is preferred that the car is stored in a private garage, barn, or storage unit
- All drivers in the household must have other vehicles