Finding the right vehicle insurance
We can help you plan, prepare and protect what matters most.
Tell us about your Car, truck, boat, RV, motorcycle or collector car. Let's find a solution together.
EIG can help you protect
many types of vehicles:
Get the answers and
Auto coverage you need
at a great price
All of the Insurance companies we represent provide a wide range of auto insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
Auto Insurance Coverage Options
Collision and Comprehensive Coverage
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. Collision coverage insures you against damage to your vehicle caused during an accident.
Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
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Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.
Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.
Boat & Watercraft Insurance
At EIG, we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your insurance coverage needs.
Boat & Watercraft Coverage Options
Let one of our experienced agents give you the coverage you need and recommendations to best fit your situation. Here are some of the many coverages that we can offer:
Physical Damage Coverage
Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
Liability coverage
This coverage will assist you in the event of a collision with another boat, dock or other boaters.
Personal Liability
protecting you or family member if you have an accident that causes injury to another person.
Medical Payments
covering medical expenses if you or someone in your boat is involved in an accident.
Property Damage
damage that may be caused to another persons property while operating your watercraft.
How much do I need?
Consult with one of our professional agents at EIG to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include:
- Accident forgiveness
- Roadside Assistance
- Boat Removal
- Boating Safety
- Multi policy discounts
At EIG, we know the primary concerns with renting a home or apartment, and renter's insurance protects you from a range of threats and dangers that would occur with a rented unit. Upon purchasing renter's insurance, you're covering yourself against several things like fireplace, lightening, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm and a number of other problems.
- Personal Property coverage in case of fire, theft or damage.
- Liability coverage for risk of accident at your rental
- Other coverage options also available
As with many kinds of insurance, your premium can rely on your deductible and any extra coverage you decide to select. To recognize the worth of your things, keep receipts. You should additionally keep an inventory of all the things you own, and use caution to not underestimate their price. You should possibly consider photographing or videotaping every space and storing the images in a fireproof box. Today, many folks file things digitally or at a safety lockbox at the bank
We can facilitate that your valuables are insured. Once you decide the amount of coverage you need, we can tailor a package to fit your renters insurance needs.
Need any help!
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims. Renters .
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Recreational Vehicle Insurance
As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your toys.
Recreational vehicles provide a lot of enjoyment but also bring with them some unique risk and exposures. We can help protect you.
And don't forget, many of your favorite toys have trailers you may also want coverage for. Whether you're a current client and acquired a new toy or you are shopping around for help through a new agency, let us wow you with our insight on protecting your off road activities!
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ATV Insurance
At EIG, we can provide insurance coverages for your ATV or off-road vehicles. If you own an ATV or off-road vehicle, you need to make sure that you have the right coverage in case of an accident or loss. While some homeowners insurance policies may cover certain liabilities, in most cases residents need an additional ATV policy to give them the complete coverage they need.
ATV Coverage Includes:
- Comprehensive and Collision coverage
- Medical coverage
- Property Damage liability
- Uninsured/Underinsured Motorist
We can help you find the right coverage for your special vehicle to protect your investment depending on the vehicle type. Our insurance professionals can work with the carriers and their special requirements for ATV insurance & assist you in finding the right coverage at a competitive rate.
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Motorcycle Insurance
We will shop the best motorcycle insurance to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.
Insurance companies will take into consideration many different factors when insuring your motorcycle. One company is not always the best fit for everyone, that is why we compare companies for you. These factors include:
- Driving record
- Credit History
- Your Age, Address
- The Type of Motorcycle
- The Number of Drivers
Most companies offer coverages similar to auto insurance policies. This would include your bodily injury and property damage liability. You may also consider additional motorcycle insurance including medical payments, comprehensive and collision coverage. Uninsured motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.
You may also qualify for discounts that could possibly lower your premiums. These may include:
- Multiple policies with our company
- Safety courses that you may have taken
- Renewals
- Insurance on more than one motorcycle
So let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your motorcycle insurance.
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We offer both personal and commercial policies and opportunities to bundle for great savings!
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Collector Car Insurance
EIG can help you find the right coverage for your collector or antique car for the right price. Collector cars and trucks have different insurance than regular auto insurance and at EIG, we can provide those options for you.
Classic cars are usually in the category of antique once the vehicle is 15-20 years old or older. Collector car insurance coverage can also include exotic autos, sports cars and rare automobiles.
We can customize a collector car insurance product that will make sure your classic, exotic, sports, rare or antique car can be protected. Our packages may include:
- Special claims and repair options
- Flexible use coverages
- Value coverage
- Competitive premiums - usually lower than normal auto policy
- Liability and damage options
- Agreed upon evaluations of the car's value
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We offer both personal and commercial policies and opportunities to bundle for great savings!
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SR-22 Insurance
SR-22 filing sometimes referred to as SR-22 Insurance can be confusing and stressful to deal with so be sure to discuss with us the questions you have.
An SR-22 is not actually insurance, but rather a certification that an insurer files to vouch for a risky driver. It's a way to verify insurance with the minimum liability coverage limits for drivers who have been ordered to obtain this by a judge.
There is typically a reasonable fee charged for filing and rates may be a bit higher and/or you may be required to pay your policy in full depending on the state you're in so be sure to ask. Also, keep in mind that an SR-22 is for a period of time, typically no more than 3 years and can be removed after the specified time.
Every state has its own requirements for SR-22 filing but common reasons include:
- DUI or DWI
- Too many points or tickets on your record
- At fault accidents while driving with no insurance
- To get reinstated if your license is suspended or revoked
We understand the situation that has led to you needing an SR-22 is stressful enough to deal with and we strive to make this necessary process as smooth for you as possible!
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We offer both personal and commercial policies and opportunities to bundle for great savings!
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EIG Insurance Partners
