Auto Insurance
Auto Insurance from Someone Who Knows Anytown Roads
Bill drives these roads every day. He knows where the accidents happen, what the risks are, and how to build a policy that protects you and your family on every trip.
Built for Anytown Driving
Anytown's Route 9 corridor has more fender benders than any other road in the county. The intersection at Main and Oak sees ice-related accidents every winter. Bill knows these roads. He drives them every day, and he builds auto policies that account for the risks that matter here.
Between the deer crossings on County Road 12, the construction zones that pop up every summer, and the school zones that double your risk of a fender bender during drop-off, Anytown drivers face a unique set of hazards. Bill factors all of this into your coverage recommendations. He doesn't sell you a generic policy from a website. He builds one based on how you actually drive, where you park, and what you need to protect.
What Your Auto Policy Should Include
Liability Coverage
Pays for injuries and property damage you cause to others in an accident. This is the foundation of every auto policy and the coverage most people underinsure. Bill recommends limits well above the state minimum to protect your assets.
Collision Coverage
Covers damage to your vehicle when you hit another car, a guardrail, or any other object—regardless of who’s at fault. Essential for newer vehicles and anyone who can’t afford to replace their car out of pocket.
Comprehensive Coverage
Covers damage from events outside your control: hail, falling trees, theft, vandalism, deer strikes, and flooding. In Anytown, where spring storms and wildlife crossings are a fact of life, this coverage is a must.
Uninsured/Underinsured Motorist
Protects you when the other driver doesn’t have insurance or doesn’t have enough. Roughly one in eight drivers on the road is uninsured. Bill includes this on every policy he writes.
Medical Payments / PIP
Covers medical expenses for you and your passengers after an accident, regardless of fault. This can cover hospital bills, rehabilitation, and even lost wages depending on your state and policy.
Rental Reimbursement & Roadside Assistance
Rental reimbursement pays for a rental car while yours is being repaired after a covered loss. Roadside assistance covers towing, flat tires, lockouts, and dead batteries. Both cost just a few dollars per month and provide real peace of mind.
Bill's Coverage Recommendations
Carry at least 100/300/100 liability limits. State minimums exist to keep you legal, not to keep you protected. If you cause an accident that exceeds your limits, you're personally responsible for the difference. Higher limits cost surprisingly little more per month.
Always carry uninsured and underinsured motorist coverage. You can't control what the other driver carries, and too many drivers on the road have no insurance at all. This coverage protects you when they can't.
If you have a teen driver in the house, consider an umbrella policy. Young drivers are statistically more likely to be involved in accidents, and a single serious claim can exceed your auto policy limits. An umbrella policy adds an extra layer of protection for your family's assets.
Review your coverage every time you buy, sell, or change a vehicle. Bill does this automatically for his clients, but it's worth mentioning: a new car may need different deductibles, and an older car may no longer need collision coverage. Small adjustments can save you hundreds over time.
Auto Insurance Questions
Bill recommends at least 100/300/100 liability limits — well above state minimums. If you have assets to protect, he’ll also recommend an umbrella policy for additional coverage.
Adding a teen driver increases your premium, but Bill shops across 30+ carriers to find the best rate. He also helps teen drivers qualify for good student discounts and safe driving programs.
Call Bill first. He walks you through the steps: check for injuries, call police, exchange info, document everything. Then Bill handles all communication with the insurance companies so you don’t have to.
Yes, and it almost always saves money. Bill quotes home and auto together across multiple carriers to find the best combined rate.
If you depend on your car to get to work, yes. Rental reimbursement is inexpensive — usually just a few dollars per month — and it covers a rental car while yours is being repaired after a covered loss.
We partner with top-rated carriers to protect you
Insurance Is About More Than Price.
It's About Who Picks Up the Phone.
When you work with Main Street Insurance, you get a real person who knows your name, your family, and your coverage. That's what local insurance is all about.