Auto Insurance
Driving comes with its own set of risks; icy highways, roads where deer crossings are common, and hailstorms that can leave vehicles damaged. At Bowerman Insurance Agency, we provide auto insurance that keeps you protected on every trip. As an independent insurance agency, we offer multiple carriers to find the right coverage and cost for your needs.
Coverage That Fits Your Vehicles
Auto insurance isn't just about meeting state requirements-it's about making sure you and your family are protected from the unexpected. It is comforting to know you're protected with reliable auto insurance. It may be a financial burden if you're not covered and have an accident. Auto insurance provides protection in case of an accident, vandalism, theft, animals, natural disasters, liability, and medical coverage. Companies also offer additional discounts for multi vehicles, multi policy, defensive drivers, good student, to name a few. We offer coverage options including:
Liability Coverage
Coverage for damages and injuries of others and protects you financially if you're at fault in an accident.
Collision Coverage
Coverage for repairs if your vehicle is damaged in a crash.
Comprehensive Coverage
Covers hail, deer collisions, theft, and other non-collision losses.
Uninsured/Underinsured Motorist
Protection if another driver doesn't have enough insurance or none at all.
Personal Injury Protection Coverage
Is often referred as no-fault insurance, which typically covers a range of expenses including medical expenses, lost wages, and funeral expenses.
Meeting State Requirements & Beyond
All states require drivers to carry liability insurance, but for most households, that's only the starting point. We'll help you understand the state minimums, then explore options for broader protection.
Ways to Save on Car Insurance
Affordable coverage matters. We'll help you find discounts that can make a real difference, such as:
- Multi-policy bundles with Homeowners Insurance or Farm Insurance
- Multi-car discounts for households with more than one vehicle
- Good student and defensive driver savings
- Discounts for accident-free or claim-free history
High-Risk & SR-22 Coverage
If you've had a lapse in coverage, multiple tickets, or require an SR-22 filing, Bowerman Insurance can help. We work with carriers that specialize in high-risk auto insurance so you can get back on the road legally and affordably.
A Local Agency That Knows the Roads You Drive
From small-town streets to busy intersections, we've spent decades helping our customers stay protected. Because we're local, we understand the unique driving challenges (winter ice, long rural commutes, and unpredictable weather) and we can help make sure your policy accounts for them.
Auto Insurance FAQs
Is auto insurance required?
Yes, most states require liability coverage, along with uninsured/underinsured motorist coverage. We'll walk you through the requirements and options.
How can I lower my car insurance premium?
Bundling policies, maintaining a clean driving record, and asking about discounts can all help. [Contact Us] to review your options.
Does auto insurance cover hail damage or deer collisions?
Yes-these are covered under comprehensive coverage that must be added to the policy.
What coverage do I need for a teen driver?
We'll help you add your new driver to your policy and explore discounts that can offset the increased cost.