Automobiles

Auto insurance can safeguard your investment and help protect the people important to you.

If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

How Much Insurance is Enough

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.

Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.

Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to baseball practice than someone who drives mostly alone.

Motorcycle

Protecting yourself and your bike is a priority of Kingman Insurance Agency.
It is very important to carry liability coverage on your bike in the event a legal situation arises from an accident. We also offer liability protection for you in case a guest passenger is injured while riding your motorcycle. If you own a custom motorcycle, it is very important that you increase your coverage in case of an accident to cover the cost of special equipment such as accessories, enhancements, and other devices.

Watercraft

Watercraft Insurance We offer policies for a variety of pleasure boats, from sailboats to powerboats; we will recommend the protection that is right for you. We will provide you with the opportunity to purchase complete coverage specially designed for your boat or personal watercraft so you can relax on the water knowing you have the protection you need.

RV

With an RV insurance policy, you will have the specialized coverage you need; auto insurance will not cover your RV properly. You should have a specialty Motor Home policy that provides for:
   •  Total Loss Replacement
   •  Replacement Cost of personal property
   •  Roadside Assistance
   •  Adequate bodily injury limits