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We offer auto insurance from many national and regional insurance carriers.  Don't go through the headache of shopping your insurance - let us do that for you!  Let's face it, we are all busy.  But when you need it, you better know your auto insurance will cover you.  That is where we come in.  We will work with you to provide the coverages you need at a price you can afford.  We can answer the tough questions regarding how much coverage is right for you, the different kinds of coverages available, deductible options, and other cost saving opportunities. 

Many Credits are Available

When buying auto insurance, cost is certainly a factor.  In order to keep costs low, many insurance companies offer coverage options and credits.  For example, we can price different deductible options to help keep your auto insurance costs down. 

Here are a few of the most popular credits available to you:

• Homeowner's insurance with McCaleb-Metzler
• Good claims history
• Good payment history
• Completed a defensive driving course
• Youthful drivers on your policy if they have completed approved driver training and have good grades
• Specifically qualifying safety or anti-theft features
• Many more discounts available.

Why Should You Insure Your Car With McCaleb-Metzler?

As your agent, we strive to know you so that we can suggest the coverage that suits your specific needs.  We look for coverage gaps to help provide full protection.  With McCaleb-Metzler, you get the benefit of:

• Individual Agent - We assign a specific insurance agent to each one of our clients.  When you call us, you can ask for that person by name.  In addition, each agent has a backup in case they are out for any reason.  Although anyone in the office can help, it is nice to have a personal touch from someone who is familiar with your account.
• Local support – No one wants to talk to 800 number or email when they have need of service - doubly so if you have a claim!
• Fast, courteous service – We try hard to serve our customers with dignity and well.  If you call our main number, you can even get our mobile phone numbers for emergency claims service.
• Billing flexibility – Want to pay for your insurance directly?  Monthly?  Through escrow?  We can help find a billing option that suits you.
• Competitive prices
• Quality insurance products – We represent "A" rated insurance carriers.  Our homeowners insurance products are designed to meet a variety of needs.  We will tailor insurance coverages to you.

Auto Insurance Basics: 

Below are a few basic auto insurance policy definitions to help get you started.

Liability

Liability insurance covers you for legal liability for bodily injury (that done to someone else) and physical damage (that done to their vehicle or property). 

• Minimum recommended coverages for bodily injury are AT LEAST $100,000 per person, $300,000 per accident.  State required limits are much lower at $25,000/$50,000 respectively, but are many times completely inadequate to protect you.  Suppose you cause an accident and hurt a doctor so that they are unable to work for several months.  Such an accident could easily cause damages of $1,000,000 or more!
• Physical damage liability covers you for damage to physical items (not people) such as cars, buildings, or property.  If you rear end another vehicle, your physical damage liability covers the other vehicle.  If you accidentally run into a building, your physical damage liability covers the building and other property you damaged.

Comprehensive

Comprehensive insurance covers YOUR VEHICLE, for damage caused by things other than collision.  This insurance covers things such as hail damage, a tree getting blown over onto your vehicle, flooded vehicle, rocks that fly up and break your windshield.

Collision

Collision insurance covers YOUR VEHICLE, for damage caused by your moving vehicle.  This insurance covers things such as running into another vehicle or stationary object.

Other Insurance Considerations and Options

• Uninsured Motorist Coverage if you have an accident with a negligent driver who is not insured.
• Underinsured Motorist Coverage if you have an accident with a negligent driver who has insurance but not enough.
• Personal Injury Protection - for medical costs in the event of an accident, regardless of who was at fault.
• Transportation Expense if you cannot drive your car after a covered loss.
• Towing Coverage for the cost of towing your disabled vehicle to a repair shop.