The right auto insurance policy can help get you back on the road quickly if your car is damaged or
destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against
medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident
involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and
in exchange, the insurance company promises to pay for specific car-related financial losses during the
term of the policy. Work with us to determine the best coverage for you.
Insurance for cars, trucks, boats and more!
Harbor Trust Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and
ATV too! Contact us for more information today!
How much auto insurance is right for you?
Our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
- Liability coverage – to pay for losses you cause others
- No-fault coverage – to pay you and your passengers for medical and related expenses caused
by injuries from a car accident, regardless of who is at fault
- Both liability and no-fault coverage
We write insurance and would be happy to help you ensure you have the right coverage for where you live.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause
others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually
necessary to have insurance which covers damage to your vehicle. This includes:
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.
Every situation is unique – talk to us today to find out how to get the best price and value on auto
insurance for you.
Covers the expense of a rental car while your vehicle is being repaired following an accident.
Towing and Labor
Reimburses you for towing and labor charges for a disabled vehicle.