Auto Insurance
Enjoy a smooth ride with stress free insurance
What is Auto
Insurance?
Auto insurance is important whether you have a new or used car. Auto insurance is extremely important not just because its peace of mind for you about your car, but for your financial wellbeing also. The liability portion of your auto policy is vitally important.
This protects you from financial liability, medical expenses and also from legal consequences. Car insurance is mandated for all drivers, with 48 states in the USA requiring a minimum amount of car insurance.
For those driving uninsured, it will result in a license suspension and thousands of dollars in fines. Auto insurance also protects your vehicle from damage caused not just by an accident, but by other things like falling objects, fire, hail damage, vandalism, or theft. Also, if you have full coverage and your car is stolen, you will be reimbursed to cover the cost of your vehicle so you can replace your car.
We at Gordon Tower Insurance make sure you and your autos as well as your family and friends riding in your car are properly protected at all times. We recommend the coverage you need, plus the appropriate limits and deductibles for you. Having full coverage is super important so you can go out and replace your car in the event of a total loss. Here are the components of auto insurance it is important to have:
Liability coverage is vital and it covers bodily injury (BI) this is the part of your liability coverage that pays for medical bills if you've injured someone in an accident
Then there is property damage (PD) you cause to someone ‘s property, like hitting their mailbox or fence Some states require types of medical coverage, like personal injury protection (PIP), which covers medical expenses that you or your passengers incur after a collision.
Uninsured/underinsured motorist (UMBI) (UMPD)- covers the costs if you're in an accident caused by a driver with inadequate or no car insurance
Collision coverage covers damage to your car after a car accident, no matter who was at fault
Comprehensive coverage covers damage to your car that happens primarily when the car is not being driven. It also kicks in for things like hitting a deer at night on a country road.
Common Coverages
Underinsured/uninsured motorist coverage
If you’re involved in an accident with an uninsured or underinsured motorist, this coverage will protect you from costly medical or car payments. If you are hit by someone who doesn’t have any or enough liability coverage, or one whose insurance can’t cover your medical bills, know that you can rely on this coverage.
Roadside Assistance
We have you covered at Gordon Tower insurance. We also make sure you have roadside assistance and rental car coverage which are vitally important in considering what needs to be added to your car insurance policy. This additional coverage can pay for your car to be towed, cover other roadside emergencies, and pay for a rental car while yours is being repaired .If you get stuck in a stressful situation, know that help is only a call away. This coverage gives you access to towing services, battery jump starts, flat tire service, lockout/locksmith service, and even a fuel delivery service. Your car breaking down is stressful enough, let the professionals help you get back on the road, and safely.
Full Glass Repair
A crack in your windshield doesn’t have to be stressful. Our Glass claims partners come and repair or replace your windshield right in your driveway at your home, place of employment, or wherever is convenient for you. If the crack is larger than a credit card, it often requires a replacement, rather than a repair. This coverage allows you to fix cracks, without having to pay a large deductible.
Rental Car Reimbursement
We have you covered at Gordon Tower insurance. We also make sure you have rental car coverage which is vitally important in considering what needs to be added to your auto policy. This additional coverage can pay for a rental car while yours is being repaired. Don’t get stuck in a stressful situation. If your car requires some time in the shop after a claim, this coverage will help you pay for a rental car. This also includes public transportation fares. This coverage is used after a collision incident. (It does not cover rental cars if your car is in the shop due to regular maintenance on your vehicle such as an oil change. )
Loan/Lease gap coverage
Gordon Tower Insurance also offers additional important coverages like gap insurance which provides for the gap in coverage when you lease or have a loan on a newer car. If your car is totaled in an accident or stolen, most car insurance policies will pay you the actual cash value of the car, which could be less than what you still owe on the loan. Gap insurance pays for the difference between the actual cash value of the car and what you still owe on the loan. This is just one example of how we’ve got your back. Your car is valuable, but as soon as you drive off of the lot, the value starts to depreciate. This coverage pays the difference between the actual cash value and the unpaid amount on your loan or lease.
New Auto Replacement
This coverage may be worth looking into if you bought a brand new car. If your car gets totaled in an accident, this coverage will allow the insurance company to replace your car with the same make and model, rather than paying the depreciated value of your car.
We help you cruise through the stress of insurance. Gordon Tower Insurance will place you with a financially sound insurance carrier. We represent you, not the insurance carrier.
We are prompt at communication. We notify our customers about important aspects of insurance transactions in our agency. We have a caring team that has a vested interest in you and are willing to go the extra mile for you. We may be small in size, but we are large in capability.
Will I get a discount if I own more than one car?
Yes, two or more cars insured in the same household will save you up to 20% off on your auto insurance alone!
Gordon Tower Insurance also saves you money with our multi policy discounts. If you carry your homeowners, auto, investment properties, motorcycle, boat, condo or life insurance with us. If you carry two or more of the above policies, you qualify for a multi policy discount up to 17% off of your premium!
Should I carry Liability only or Full Coverage?
We always encourage our clients to carry full coverage. Liability insurance will not let you replace your car in the event of a total loss. For the the small difference in premium to go full coverage vs liability only, it is worth it! We have had this happen 3 times! with 3 adult kids - they each totaled a vehicle or got hit by a hit & run driver! (Not fun -our daughter’s van got hit by a hit & run driver) We insisted on having full coverage on those 3 cars, regardless of the age of the car. Thank God, because our kids were able to replace their cars when the claims agent determined in each case, the vehicles were a total loss.
What coverages do you need to protect your brand new car?
There are a few different coverages available for you that we offer. We provide Loan/Lease Gap coverage for those newer cars that have a loan or lease. We also offer New Car Replacement for those of you who pay cash for your automobile. With new technology being installed in cars, it is important to make sure you are properly covered as minimal damage may still be a costly fix in the event of a claim.
Do I get rewarded for being accident and violation free?
Yes! You get a discount for safe driving. If you are ticket and violation free, you will be rewarded for that. Also, you can get a discount for having safety tech in your car- such as blind spot monitors, lane detection, automatic braking, and more!
What coverage is right for me?
We believe in our customers and build trust with them. That is why they have trusted us with their insurance needs. We are an independent insurance agency representing a wide variety of professional insurance carriers which we have chosen to work with, based on their excellent reputation. We evaluate each customer individually and place them with the right carrier to best fit their insurance needs. As Independent Insurance Agents, we work for you, not the Insurance companies. Gordon Tower Insurance works one-on-one with our clients to provide personalized insurance. If you have specialty or luxury cars, we have specific coverages to cover that. If you have investment properties we have the right coverage for that. If you want to erase the “what ifs” in life, we can look into a personal umbrella policy.
How does having a young driver affect my premium?
It is an exciting and scary time for parents when their children start to drive. Let us help your new driver feel confident on the road by including them in our Young Driver mailing campaign.. Young drivers are also eligible for a good student discount, if they carry a 3 point grade point or higher. Allow us to take some of the stress off you and let your children be rewarded for their hard work!