Auto Insurance

Barr’s Insurance, being an independent insurance agency, offers many different companies and products to fit your insurance needs and driving habits. 

• Ways to save on your auto insurance

• Special coverage options available

* Did you know that most auto insurance policies only provide limited coverage when you purchase a new vehicle. Never rely on a dealer or someone else to contact your agent to add your new vehicle to your policy.

Ways to Save on Your Auto Insurance

Where you live, distance you drive, age of drivers, type of vehicle, driving records of drivers, type of coverage all affect the premium you pay for auto insurance coverage. Some of the ways to reduce your rates are:

• Drive safely and responsibly and earning loss free discounts.

• Purchase vehicles that have safety features like air bags, automatic seatbelts, anti-lock brakes, and theft alarms.

• Completing drivers training courses for very young or driver’s over age 55.

• Good students with at least a “B” average can reduce rates.

• Parents of newborns may have discounts available.

• Multi-policy discounts could be available for your auto and homeowners coverage.

* Ask us for more information about how we can design an automobile insurance program for you and the details of the above discount opportunities!

Special Coverage Auto Insurance Options

Auto Insurance is not a “one size fits all” product for our clients. There are many types of choices and special endorsements available such as:

• Limited Tort or Full Tort which affects when you can choose to sue someone when you are in an accident an the other person is at fault

• Replacement Cost Coverage for your new auto purchase that would replace your auto with a current model year similar vehicle if your auto is damaged beyond repair.

• Loan/Lease Gap Coverage for your new auto purchase that is designed to pay the difference between your loan/lease payoff and the actual cash value of vehicle if damaged beyond repair.

• Sound Reproduction and Related Equipment is to cover those specially designed sound system you may install after you originally purchase a vehicle. Most standard auto policies only provide limited coverage.

• Customized Equipment Endorsement provides coverage for special paint jobs, campers, running boards, sunroofs, van modifications that are not factory installed.
  
  *Ask us for more information about the above coverages or request for your auto insurance quote.