Auto Insurance

While "auto insurance" is a very common term, there are many types of coverage available depending on the type of vehicle to be insured and how that vehicle is used.  As an independent agent, we have the resources and markets available to make sure your vehicles are insured properly.  Insuring vehicles on the wrong type of policy could mean that you are paying more for coverage than you need to.  Even worse, when a claim happens, you could find that you are not properly insured; of course, by then it is too late.

PERSONAL AUTO INSURANCE

While this is the most common type of auto insurance, there is nothing common about insuring your vehicle properly.  Lots of coverage options exist and a professional agent can assist you in selecting those coverages which are right for you.  Even when it comes to the most common of all coverages, Liability Coverage, selecting the wrong limit could mean that you are still vulnerable in the event of a serious accident.  On the flip side, it is quite common to see drivers carrying too much coverage meaning they are paying for coverage they don't really need.  As your agent, it is our goal to make sure that you get the right amount of coverage for your individual situation.  For more information, visit the Consumer Information section of our web site. 

COMMERCIAL AUTO INSURANCE

Being in business for yourself is challenging enough without worrying if you are properly covered for the unique exposures that your business faces with respect to your commercial vehicles.  Additionally, businesses frequently pay too much for their automobile insurance if they choose to insure their vehicles on a personal auto policy when commercial auto insurance is less expensive for their situation.  Fortunately, most situations are easily covered if you select the right agent who takes the time to understand your business and the challenges that it presents.  Just as you try to do your best for your clients, we will help you understand what exposures you face and what solutions are right for your business.  When it comes to insuring commercial autos, KPIA means business.

CLASSIC CAR INSURANCE

For many auto enthusiasts, nothing beats a Sunday drive in their 'baby'.  At KPIA, we understand your passion for your special vehicles.  We bring the same passion to making sure that your vehicle gets the extra special attention when it comes to selecting the right policy.  Did you know that Classic Cars Insurance is generally much less expensive than regular auto insurance?  This is because noone takes better care of their cars than auto enthusiasts and these vehicles are driven much less than ordinary cars.  You don't treat your 'baby' like just any old car, why insure it like one?  For more information on the special coverage available for classic cars, see our Consumer Information section of our web site.

MECHANICAL BREAKDOWN PROTECTION

Ever been stunned at the cost of extended warrranties sold by auto dealers?  If not, you probably don't realize how grossly overpriced they are.  Loaded down by huge markups and enormous commissions to the car salesmen and sales managers, surprisingly little of the money is for the actual protection against repairs.  Mechanical Breakdown Protection (MBP) is the perfect answer to the overpriced dealership extended warranty.  MBP offers bumper-to-bumper to bumper protection, often for less than half what the dealers charge for similar protection.  Plus, you get lots of extra benefits, like roadside assistance and rental car assistance and you get to choose your own repair facility whether you choose your trusted neighborhood mechanic or take the vehicle back to the dealers for repairs.  For an easy quote on MPB, click here.

For more information about these and other coverages contact us. 

For a quote, please visit our quote center.