Personal Auto

Personal Insurance needs to respond when you have an accident.  Many times in these times of quick quote insurance there are serious surprises when there is an accident and a claim.  Keys to purchasing Personal Auto coverage include:

The financial strength of the insurance company

Policy limits - How much will the company pay in the event of an accident

Are there Excess Umbrella Policy limits in the event of a large claim

Accident Coverage:  Replacement vs Agreed Upon Value

As soon as you drive out of the dealer the value of your auto goes down and the replacement cost won't really replace your car.  We recommend agreed upon value coverage that ensures you don't get any surprises. Most of the discount insurance companies do not offer Agreed Upon Value but we think it is worth it

Let The ELS Group walk you through auto insurance options that are surprisingly affordable.