Auto Insurance

Get a Quote

Car insurance is required by law when you operate a motor vehicle, but laws about insurance can very from state to state. We understand these various state laws and want to help. As a local, trusted Ohio agency that services the Greater Dayton area, we're also licensed in many states (including Indiana, Kentucky, Tennessee), we can offer expert advice on the kind of coverage you need. Don't be caught off guard in the event of an unexpected accident-learn the importance of having insurance now.  We are experts in auto insurance, especially if you live in Centerville, OH, Beavercreek, OH and Kettering, OH.

There is a difference

There is a difference

You may think you want the cheapest insurance you can find, but cheap isn't everything. While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you. There’s no such thing as a one-size-fits-all insurance policy when it comes to you and your automobile. Price is definitely important, but the coverage and conditions are the most important part of your policy. We want to make sure you are covered and that it isn't breaking the bank. Contact us to see what your options are. 

What’s insurance for, anyway?

What’s insurance for, anyway?

Car insurance is a contract between you and an insurance provider. It stipulates how much you pay monthly to have the policy, how much the policy will pay out in the even of an accident, and according to who the police assign the fault of the accident to. Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.

Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.

Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.

What are some things that insurance can cover?

What are some things that insurance can cover?

  • Physical damage
  • Personal injury insurance
  • Liability car insurance
  • Uninsured coverage
  • Comprehensive auto insurance
Client Centered

Automobile insurance doesn't fix or solve everything when there is an accident. Obviously, the effects of an accident are manifold. From damages to injuries and sadly, sometimes death, automobile accidents can take a tremendous toll. Insurance is there to help ease the financial burdens that can arise from automobile accidents. Medical bills, car repairs, rental cars and even funeral expenses are all things that insurance can help to cover with the right policy in place. 

We believe that the aftermath of an accident is difficult enough, so filing claims and getting assistance should be easy for you. Our online portal to our various carriers makes filing claims and contacting those carriers easy. We are also here to to help when you need answers. We service the Greater, Dayton area.

Auto insurance: Dayton, OH - all you need to know. <br/>

Auto insurance: Dayton, OH - all you need to know.

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance in Dayton, OH usually consists of the following protections:

  • Liability
  • Collision
  • Comprehensive

But additional protection may include:

  • Medical Payments.
  • Emergency Road Service
  • Uninsured Motorist Protection

Knowing you  have the right coverage can hep you to be a more confident driver. Read more about Ohio’s Minimum Coverage Requirements for Auto Insurance HERE .  This includes coverage in Centerville, OH, Beavercreek, OH and Kettering, OH.

DUI Insurance

DUI Insurance

Driving while intoxicated is a serious offense. It is both reckless and selfish. We advocate strongly for the use of designated drivers, Ubers, cabs and hired rides when you know you will be consuming alcohol. Apart from the danger a drunk driver poses to others,  they also risk the financial consequences of having to carry DUI or DWI insurance. 

This DUI insurance is called SR-22 and is required to be carried by DUI offenders. In Ohio, after a first time offense, drivers are required to carry SR-22 insurance for three years. For second and third offenses, that goes up to five years. This causes Ohio DUI offenders, on average, an increase in insurance rates to $357 per month, or $4,284 per year, which is about a 129% increase.

Please drive sober and safe. If you do, however, find yourself needing SR-22 insurance, we can help you to obtain it and fulfill your legal obligations. 

Why We're Different

As an independent agency in the Greater Dayton area, we have access to a myriad of insurance companies and their products. We can find you the coverage your need, at the right price point. Contact us today, and we'll help you protect what matters most.

Live in Centerville or Beavercreek, OH? You've come to the right place! Please let us know if you have any questions.

Frequently Asked Questions

Insurance is required by law, and also protects you against the unforeseen, like accidents, theft and other damages. These can be to your vehicle or another person's if you are at fault.

Car insurance varies in cost and is affected by factors like your age, the make, model and year of your car, where you live, and your driving history.

Yes! The longer you go with a clean driving record, the better your rates can get. Also, if you own your car or owe less on it, your rates can go down.

It is very rare for a provider to increase your rates if you were not at fault.

Typically, rates go down by about 20% between the ages of 20 and 21. f your driving record is clean, you can expect a significant drop at the age of 21 and again at 25, with other gradual decreses between your 20's and 30's.

.