Auto Insurance

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

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Frequently Asked Questions

1. 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.

2. Personal Connection – An independent agent is best suited to accommodate your needs as your business grows. We take getting to know you and your business seriously, so we know how to best cover you and the company.

3. 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.

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Additional Resources

Read more about commercial insurance by clicking the link found here.


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