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Auto Insurance

Protecting yourself should your vehicle be damaged or stolen is just as important as having insurance for liability. Having auto insurance will insure property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto, and teenage and guest drivers, to name a few.

Depending on your policy, you may be eligible for certain discounts, so it is important to review your policy annually with your agent to see if changes in your life mean updates to your policy. If you would like to learn more about available discounts (like going paperless or purchasing a hybrid vehicle), give us a call or scroll down to see each of the companies we represent. Each company is different, but here are just a few examples of typical homeowner discounts:

  • Multiple Vehicle Discount: Having more than one vehicle insured with a company
  • Multiple Policy Discount: Having more than one insurance policy with a company (home, vacation home, watercraft, ATV, business and other types of insurance)
  • New Car Discount
  • Safe Driver Discount
  • Mature Driver Discount
  • Safety Discount: Installing security devices such as anti-lock breaks, airbags and anti-theft devices
  • Paperless Discount: Opting to view and pay your bills online
  • Paid in Full Discount
  • Loyalty Discount: Maintaining a policy with the same company for several years in a row
  • Student Discount: Applies to both high school and college students who maintain a 3.0 GPA or higher

Antique, classic & customized auto insurance

A standard automobile policy usually pays for vehicle damage under the comprehensive or collision part of the the insurance policy, but claim settlement is usually for actual cash value (ACV) – the cost new less depreciation. This approach isn’t the best when insuring a classic car. When insuring your classic car, consider these questions:

  • Are the actual miles you drive your collectible car limited?
  • Will you need coverage for spare parts?
  • Do you want to use a special repair shop for any insured damage to your auto?
  • Will you need insurance while your car is being restored?

Contact us today to get started with an insurance policy customized especially to protect your special vehicle.

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Why Lee, Hill and Johnston?

Whether it’s home or auto, business risk management, or life/health insurance, we’ve built a reputation over the past 50 years for insuring the trust of thousands across the Southeast. Let us do the same for you.

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