OLD HARBOR INSURANCE
Auto Insurance
Premium insurance
We’re here to help
At Old Harbor we want to make certain you have the correct coverage at the best possible price. We want to educate you on the coverages available and work with you to create a policy that best meets your needs.
Complete Auto Insurance Coverage
What We Offer
Explore our variety of auto insurance coverage options.
Our Lines of Coverage
Bodily Injury Liability
Bodily injury liability covers expenses related to injuries caused to other individuals when you are at fault. These expenses can include medical costs, emergency services, lost wages, legal fees, and pain and suffering.
Property Damage Liability
Property damage liability covers damages done to another party’s vehicle, or other property damage done to other objects such as buildings, walls, signs, and stoplights.
Roadside Assistance
Roadside assistance can be useful for many services such as: towing, a jump start, gas delivery, flat tire changes, winching, and locksmith services. These services vary by insurance company and often have limits to their usage and the coverage afforded for each circumstance.
Our Lines of Coverage
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage steps in if you’re involved in an accident with another person that doesn’t have enough, or any, insurance. It will pay reasonable expenses for medical costs, lost earnings, and pain and suffering for both the driver and passengers in the car.
With an estimated 15% of drivers on the road being uninsured, this is a must have coverage.
Medical Payments
Medical payments is a coverage that is available regardless of which party is at fault. It will help to cover you or your passengers when injured. It also extends coverage to you as a pedestrian if struck by a vehicle.
Comprehensive Coverage
Comprehensive coverage protects your vehicle if it is damaged by something other than a collision such as vandalism, theft, animals, and falling objects such as debris, tree branches, or fail and other weather-related events. Like collision coverage, comprehensive coverage is subject to a deductible.
Our Lines of Coverage
Collision Coverage
Collision coverage pays to fix damage done to your vehicle whether you hit another car, run into an object, or are struck by another vehicle. This coverage is subject to a deductible, which is the portion of the repair costs that you’re responsible for.
Let’s imagine a scenario where you have a collision deductible of $500 and sustain damage to your vehicle in the amount of $3,000. The insurance company would pay our $2,500 – or $3,000 less your deductible of $500.
Rental Car Reimbursement
Rental car reimbursement covers the expense of a rental car when your vehicle is involved in a covered claim and being repaired. Failing to carry rental car coverage often adds insult to injury when you’re involved in an accident – not only is your car damaged, but while it’s being repaired you do not have means for transportation.
Frequently Asked Questions
How Can We Help?
Why should I use an independent, local agent?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one.
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you.
What should I do if I need to file a claim?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you
What is 'full coverage' auto insurance?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you
What is excluded from my insurance policy?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you
Do I need rental car insurance if I have my own auto insurance?
- No Obligations – We are able to obtain rates from multiple carriers, but remain your single point of contact for anything insurance related. Contrasted with companies such as Allstate, State Farm, Farmers, etc. that are only able to offer rates with a single company. We’re obliged to no one
- Personal Connection – An independent agent is best suited to accommodate your needs as you transition through your life. We take getting to know you seriously, so we know how to best cover you and your family.
- Customer Service – We have real people on the other end of the phone and a real office you can walk into. No more 800 numbers with automated prompts, overseas customer service, or being transferred throughout numerous departments. Our number one priority is to serve you
We would love to work with you!
Learn more about our auto insurance coverage today.
