Auto Insurance

Protect yourself with great features:

  • Diminishing Deductible
  • Accident Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Medical Payments Coverage
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What is the difference in each policy?

Trying to figure out what coverage is best for you can be difficult. We're here to make it easier for you to understand. Here is a breakdown of the different policies and the details of the policies.

Man inspecting car

Liability Insurance

Liability is designed to cover you by paying for damages to another person or their property during an accident. This includes medical bills, legal settlements and repairs that you caused.

Generally, when a vehicle is not worth much, people tend to drop a policy to liability only because it is the least expensive policy to carry. When you register a vehicle with the state you must prove that you have Liability Insurance.

All auto policies include liability insurance.

Car in parking lot

Full Coverage

We get a lot of questions about "full coverage" policies. If you combine Comprehensive Insurance with Collision Insurance, that is often referred to as "full coverage".

Tree on car

Comprehensive Insurance

Comprehensive coverage will cover damage to your vehicle not caused by a collision. This includes theft, natural disasters, vandalism as well as damage caused by accidents involving an animal, like a deer. Comprehensive Insurance does not cover damage to another person's car in a collision, or medical expenses.

Two car collision

Collision Insurance

Collision will cover your damages in an accident regardless of who is at fault. This is different from liability as liability will cover damage to someone else’s property, this will cover damages to you vehicle. Comprehensive and collision group together is often referred to as "full coverage".

Car accident

Personal Injury Protection (PIP)

PIP is designed to cover you in case you are injured in an accident. Coverage can include hospitalization, operations, rehabilitation costs, lost wages if you're unable to work, as well as other various costs while you recover. PIP is required in the state of Kansas.


Uninsured and Underinsured Motorist Coverage

Protects you when someone does not have insurance to cover the damages, or the damages exceed their coverage following an accident. Uninsured/Underinsured Motorist coverage will also cover medical expenses if you are in an accident.

Not Sure? That's OK.

We have agents all over the region who are happy to help you learn more about coverages and help you figure out what's best for you.

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“Convenience is a huge factor for my customers. Being located on Main Street adds to that convenience factor.” Brooke Brummer
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Got Quotes?

You can relax while your agent shops around for flexible coverage and great rates.

A few of the companies we can quote for include, but are not limited to:

Combine and Save!

When you bundle your policies together you'll save even more. Check with your agent to see what options are available to you.

Home & Renters Insurance

Keep Motoring

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Roadside Service

An add-on service that can cost between $5 and $10.

Rental Reimbursement

Don't get left without a ride while your car is undergoing repairs following an accident.

“We make it a priority to know all of our customers on a personal level.”Lisa Shivers
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Frequently Asked Questions

Where can I get a policy?

We have Agents that are licensed to sell in Colorado, Kansas and Nebraska.

What factors go into determining my monthly premium?

The best way to estimate your premium is to get a quote as there are many factors that go into the determination of your monthly premium. Some of those factors are age, marital status, the type of car, driving record, your credit history and much more.

How can I make payments?

You can make payments by mail, in person with your agent, by phone; or you can set up an automatic payment at the time of application.

Do you insure Commercial Autos?

We do! Contact your local agent to learn more.

How do I get a quote?

You can visit your local office and get a free quote from one of our agents, or you can contact an agent for a quote.