Auto Insurance can be confusing at best. “Why do I need higher limits on my auto policy?” Easy answer, every time you drive your car you put everything you own at risk. An even better answer is, with minimum limits you void underinsured motorist coverage for yourself and passengers. If you are seriously injured by another driver with minimum limits and your limits are the same, you would collect nothing from your insurance to pay for your injuries or loss of income. Early in my career this happened to one of our customers and I vowed this would never happen again. To this day, we will not quote or write a policy with minimum limits. We can answer this and any other questions you may have about car insurance.
— Phil Brewer

So, you're in the market for some car insurance. You've came to the right place!

 

WHY?

Because with over 40 years experience, we know insurance. We work with the top insurance companies in the industry to make sure you get the best company for your needs.

How are we different?

As independent agents we can shop you around and make sure you have the right amount of coverage for the lowest price possible.

How Do we do that?

We have invested in quoting programs that let us submit your information once and it gives us quotes from all the companies we represent so we know we are getting the best rate possible for you. We also do this before every re-newel to make sure you KEEP the best rates possible.

what else do we do?

If you DO end up having a claim, WE will work for you to resolve it as quickly and efficiently as we can. You won't have to worry about a thing. That's our job. As independent agents, we work for you not the insurance companies.

 

Whether you're new to buying insurance or experienced and know exactly what you want, we can help you with that!

Give us a call today or fill out our quote request form and we will get back in touch with you as soon as possible.


Need some help understanding insurance terms?

 

Understanding Comprehensive and Collision

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Modern Insurance for Your Classic Car
 

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so Brewer Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

  • Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.  This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.

Low Rates: Why pay full-time insurance when you driver your collector car only part-time.

  • Coverage Options: Not all collector cars are the same, so Brewer Insurance Services, Inc. can work with you to determine the right amount of coverage to meet your specific needs. 

  • Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.

  • Roadside Assistance:  Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with Brewer Insurance today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 919-658-8585.

Art credit Hagerty.com

Art credit Hagerty.com