Additional Coverages

Coverages may vary from state to state. Be sure to talk with your agent.
Buying a Car
Buying a Car

We offer the following additional coverages:

Auto Loan/Lease Coverage

Coverage that protects you for the difference between the amount you owe on a car loan or lease and what you would actually collect under your personal automobile insurance policy if your car were totaled. Pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

New Car Replacement

When Collision and Other than Collision (Comprehensive) coverages are selected, this coverage pays for a current model year vehicle of the same manufacturer, model and equipment as your insured auto. Talk to your agent for more details.

OEM Part Replacement 

This coverage pays to repair or replace material of a vehicle using materials made by the Original Equipment Manufacturer (OEM).

Rental Reimbursement

Pays the cost to rent an auto from a rental car agency when your auto is disabled for more than 24 hours due to a covered loss.

Towing and Labor

Pays the cost of towing your auto when it is disabled. The cost of labor performed at the disablement is also covered up to the limit. This coverage is also generally inexpensive.

Partners Plus 

Our affordable Partners Plus endorsement packages several valuable coverages for extra peace-of-mind protection, and includes the following coverages and benefits:

  • Parked auto collision
  • Air bag replacement
  • Deductible waiver in the event of a car jacking
  • Emergency travel expenses
  • New car replacement
  • Death benefit
  • Towing and Labor
  • Rental Reimbursement
  • Auto Loan/Lease

Other vehicles 

We also provide coverage options for other types of vehicles:

  • Classic and antique vehicles
  • Customized equipment, including pickup caps and covers
  • Motorcycles
  • Motor homes
  • Non-owned vehicles
  • Recreational Trailers
  • Utility Trailers

Because insurance laws are different in every state, some coverages may not be available. Be sure to talk with your agent.

Discounts and packages are subject to state availability and individual eligibility. Discounts may not apply to all coverages and/or all vehicles.

Why Work With an Agent?

Your agent is your partner, making sure you have the protection you need.

Our Agents

Outstanding Service

When you have an accident, you want to know you'll be treated right.

Our Service

Our History

Mutual insurance companies exist solely for the benefit of their policyholder-owners – that’s you.

Learn More