One Agency. Multiple Insurance Companies.
Shopping for auto insurance shouldn't mean calling company after company. As an independent insurance agency, Dear Insurance Agency can compare coverage and pricing from multiple insurance companies for you.
More Options
We shop multiple insurance companies instead of offering auto coverage from just one.
Personal Service
Work with a real insurance professional who can help you understand your coverage and options.
Here When You Need Us
From adding a vehicle or driver to questions about your policy, you'll have someone you can call.
What Does Auto Insurance Cover?
Auto insurance can help protect you, your vehicle, and your finances after an accident or other covered loss. Coverage varies by policy, but commonly includes:
Liability Coverage
Helps cover injuries or property damage you're legally responsible for after an accident..
Collision Coverage
Helps pay for damage to your vehicle after a collision with another vehicle or object.
Comprehensive Coverage
Helps cover certain non-collision losses such as theft, hail, vandalism, or falling objects.s.
Uninsured/Underinsured Motorist
Helps protect you if you're hit by a driver who has little or no insurance.
Medical Payments / PIP
Can help with certain medical expenses for you and your passengers after an accident.
Rental & Roadside Options
Optional coverage may help with rental car expenses or roadside assistance after a covered loss.
What Can Affect the Cost of Auto Insurance?
Auto insurance rates can vary significantly from one driver to another. Insurance companies consider several factors when determining your coverage options and premium.
Your Drivers
Driving history, age, experience, household drivers, and other driver-related factors.
Your Vehicles
Vehicle type, age, value, safety features, repair costs, and how the vehicle is used.
Your Coverage and History
Coverage limits, deductibles, prior claims, insurance history, and available discounts.
Frequently Asked Questions About Auto Insurance
How much auto insurance do I need?
The right amount of coverage depends on your vehicles, drivers, financial situation, and coverage needs. We can help you review your options and choose appropriate coverage limits.
What is the difference between liability and full coverage?
Liability coverage helps pay for injuries or property damage you're responsible for. “Full coverage” commonly refers to a combination of liability, collision, and comprehensive coverage.
Can I bundle my auto and home insurance?
Yes. Many insurance companies offer discounts when home and auto policies are written together. We'll compare available options to see whether bundling makes sense for you.
Why should I use an independent insurance agency?
An independent agency isn't limited to one insurance company. We can compare options from multiple insurers to help you find coverage that fits your needs.