Contact Alliance Insurance for coverage on all your vehicles!

• Auto Insurance
• RV Insurance
• Motorcycle Insurance
• Watercraft  
  

Alliance Insurance is committed to helping you get the best car insurance rates possible. Whether you are a first time driver or an experienced driver looking for the best deals on insurance, we can help you find it.

We will generate quotes from the best insurance companies and get you the coverage you need at the lowest cost possible.  

Auto Insurance Coverage Options

Many states have laws requiring all drivers to carry some type of minimum insurance, but drivers who want to protect themselves, their families, and their assets will want to invest in additional insurance to be comprehensively covered. There are several different types of coverage, each described below.

When deciding which type of coverage to carry and how much, there are a number of factors to consider, such as the value of your vehicle and the insurance laws where you live. It’s also important to understand the purpose of each type of coverage as well as liability limits.

Bodily Injury Liability

Bodily injury liability covers the cost of medical care, loss of income, or pain and suffering due to injuries or death of people you are responsible for.

Property Damage Liability

Property Damage Liability covers the costs of repair or replacement if you damage another person’s car or property. Property Damage Liability also protects you in the event of a lawsuit.

Collision Coverage

Collision insurance covers damage to your vehicle regardless of who is at fault.

Comprehensive Coverage

Comprehensive insurance covers a vehicle for damage resulting from accidents that are not collisions—for example, losses from theft.

Medical Payments

This type of coverage pays for medical expenses incurred by you and/or your passengers as a result of injuries from a car accident.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage covers you, other insured members in your home, and your passengers for injuries, losses, and death resulting from accidents with at-fault drivers who have insufficient or no insurance coverage, as well as hit-and-run accidents.

Auto Insurance for Recreational Vehicles (RVs)

Recreational vehicles are like a second home, and like a home, you’ll want to insure your RV.  Standard auto insurance does not provide the specialty coverage you need when you own an RV.  Most auto insurance providers also offer RV coverage, but you’ll need to check with your Alliance Insurance Agent individual insurance company to be certain. 

If you want your RV to be adequately covered, it is a good idea to purchasing an insurance plan designed specifically for your recreational vehicle.  Without a specialty RV policy, you may have gaps in coverage.

Auto Insurance Coverage Options for your Recreational Vehicle (RV)

When purchasing insurance for your RV, some of the coverage options typically available include:

• Total loss replacement coverage: Protects you against depreciation should your RV be damaged or stolen.  In such an event, you will receive the full replacement value of your RV. 
• Purchase price coverage: Applies to recreational vehicles less than 10 years old and pays you the full amount of the original purchase price if something happens to your RV. 
• Agreed value coverage: Locks in an agreed upon value based on an appraisal. This is the amount you receive if your RV is damaged or stolen. 
• Disappearing deductibles: For every year you remain claim free, your collision and comprehensive deductibles will be reduced. 
• Personal content coverage: Covers all the personal items you take with you in your RV, such as clothing, tools, or sporting goods. 
• Towing and roadside assistance
• Campsite liability: Covers you against bodily injury or property damage at your campsite if you are found to be at fault. 

Each insurance company may offer a variation of the above coverage options, but these options are fairly common among the different insurance companies.  An authorized recreational vehicle insurance agent can help you determine what level of coverage you need. 

Motorcycle Insurance

Not having insurance can get you in trouble with the law and can lead to a hefty fine.

Motorcycle Insurance. It protects you, protects your motorcycle, and can protect against careless cagers. It’s also required by law, and getting caught without insurance can be an expensive lesson.

Our first tip is to shop around and get multiple quotes before you decide. Alliance Insurance can help you with this…just call on of our agents today.    If you already have auto insurance with a company, check to see whether they offer motorcycle insurance as well because often you can get a discounted price if you bundle coverage

Taking safety courses or being a member of certain motorcycle organizations can mean you’re eligible for a discount.

Begin your search by knowing that there’s no set rate. Factors like age, driving history, style of motorcycle, where you live and how you store your bike – even credit scores can affect your rate of coverage. A long-standing history with a particular company is often good for a discount. Motorcyclists are going to need to choose between simple liability or a more comprehensive plan. Tailor you plan according to what style of motorcycle you ride and how you ride it. Year-round or seasonal? Passenger or no passenger? Street or track? Riding habits need to be taken into consideration when talking to an agent about your plan. Riders who have taken a recent Motorcycle Safety Foundation or Military Safety Course or are members of groups like the American Motorcyclist Association (AMA) or HOG (Harley Owners Group) are frequently eligible for discounted rates, also.

Before buying motorcycle insurance, it is a good idea to ask your Alliance Insurance agent what type of coverage is required.   Some riders feel confident enough to run with basic liability that covers property damages and bodily injury expenses to others in an accident where you are at fault. It is the bare minimum to cover your butt in case of a crash. However, it doesn’t cover the cost of repairing or replacing your motorcycle. This might be OK if you’re riding an old beater bike, but it’s still a roll-of-the-dice option.

 
Make sure to have the correct coverage to protect your passenger if you find yourself frequently riding two-up.

Unlike automobile insurance, motorcycle passengers aren’t automatically covered, so if you plan on riding two-up, you’ll want to invest in Guest Passenger Liability Coverage as well. This will pay for any injuries a passenger sustains while riding with you.

The best plan, which of course is the most expensive plan, is full Comprehensive and Collision coverage. This will cover your motorcycle if it is stolen or damaged in an accident, regardless of fault. Comprehensive coverage protects against damages sustained that are beyond your control, like fire, theft, vandalism or storm damage. Collision coverage means that if your bike is totaled or damaged in a collision, the insurance company will pay to have it repaired.

There are two areas GEICO stated that motorcyclists often under-insure themselves: uninsured motorist and medical liability coverage. You can’t rely on the fact that the other driver has enough coverage. Many drivers don’t have.

Accidents can happen at any time, anywhere.  Having  the right coverage can keep you out of costly situations. any insurance at all, so as a precautionary measure, don’t skimp when it comes time to add this option to the plan.

Also, don’t come up short when it comes to medical liability. Don’t think that just because you’re on a motorcycle that it’s only going to be you that gets hurt in an accident. Motorcycles can do serious damage, so buy coverage similar to the plan that you have for your automobile. You’re going to be liable for the same amount of expenses, so don’t sell yourself short.

Most motorcycle insurance providers will customize a program around a rider’s needs. But start with the company that insures your car first to see if they will strike a deal with you for insuring multiple vehicles

Boat and Watercraft Insurance

So What Is Boat Insurance Exactly?

A boat policy insures you and your boat against liability and damage in the event of an accident. The types and amount of coverage you receive will depend on the specific boat policy you purchase. Alliance Insurance can help you find an affordable boat insurance policy to suit your specific needs.

How Does A Boat Policy Protect Me?

It’s likely that your pride and joy is docked some place other than your backyard. Regardless of where you store your boat, you want to get it protected.  A boat policy typically covers you from damage caused by;

·         a collision

·         sinking

·         an accident

·         malicious mischief

·         vandalism

Most boat policies cover physical damage to;

·         the hull

·         sails

·         machinery

·         furnishings

·         most on-board equipment

·         boat trailer for damage from an external cause.

Your boat insurance needs differ depending on the type of boat or personal watercraft you own. Each policy provides detail on what is covered and what is excluded.

Tell Me More About Boat Liability Coverage

A boat policy can provide coverage for damage to another boat or dock, and for bodily injury or death to another person as a result of your negligent operation or ownership of the boat. It may also provide coverage for medical payments to others and coverage against injury to you caused by an uninsured boater.

What Optional Insurance Coverage Can I Get For My Boat?

You may purchase optional coverages, such as:

·         coverage for your personal property

·         coverage for your fishing equipment

·         coverage against injury to you caused by an uninsured boater