Auto Insurance

We don’t want you to pay too much for car insurance.

But we also want you to be properly covered. A Horst personal insurance professional will help you select an appropriate level of coverage that takes into account your particular vehicle, driving usage and history … includes the state requirements and legal obligations … and balances a manageable monthly premium with a deductible amount that doesn’t cause significant financial pain if an accident occurs. As an independent insurance agency, we compare costs and coverage from almost 30 of the nation’s best insurance carriers to give you the best coverage value.

From your child who’s just starting to drive to your fun & fast car, we’ll get you properly covered.

Even minor auto accidents cause a disruption in your life. And when they occur, it’s too late to learn that you’re carrying inadequate coverage. You may have started out with one of those national brands with the lowest premium, but as your lifestyle changes and your cars get more expensive, that cheap insurance is usually inadequate coverage. With Horst, you’re working with a local person who will take the time to make sure your coverage meets your needs to start with and evolves as your life and needs change. And “local” is especially helpful when an accident occurs. Horst is just a local phone call away.

Understanding exactly what your auto insurance covers is a necessary part of owning a car.

But few people are fully informed on their policies. Have you considered that your leased vehicle may have a gap between what you will owe the leasing company if your car is totaled in an accident, and the actual cash value that the insurance company will reimburse you? Comprehensive auto insurance will compensate you if your vehicle is stolen, but it won’t cover personal items inside the car, and likely won’t cover after-market add-ons. Your auto insurance will respond to your basic needs if you are involved in an accident caused by another driver that is underinsured or uninsured, but higher limits are available to better protect you from these types of circumstances. But if you’re in a collision with an uninsured or underinsured motorist, you could be in trouble. Roughly 1 in 7 US motorists are uninsured. Other factors like the proper amount of medical payments coverage and car rental coverage need to be considered.

For more information, call or visit one of Horst Insurance’s offices. Or contact us via email.