We offer a consultative approach to auto insurance that tailors coverage to your individual needs.

Millions of auto accidents occur each year, and unfortunately there are times when the drivers’ coverage is inadequate. We understand that finding the right auto insurance for your cars at a cost-effective price can be a challenge – one that’s difficult to fit into a busy schedule. Your assets, your family, and your financial future are all at risk when the policy you buy doesn't provide the protection you need.

Liability Insurance

Protects you and your family against claims for bodily injury or property damage when you or a family member is considered legally responsible.

Uninsured/Underinsured Motorists

This pays for bodily injury or property damages to which you would be entitled but are unable to collect because the responsible party is either uninsured or underinsured. An “underinsured” motorist is one whose liability limits are lower than your underinsured motorists limit. This coverage would also respond if your damages are the caused by a hit and run driver.

Personal Injury Protection (PIP)

Provides medical coverage for injuries you and family members suffer in an auto accident. Coverage may be added to cover lost income, essential services, and death benefits.


Collision coverage pays for damage to your car, up to the actual cash value of the vehicle. This coverage applies if your auto collides with an object, including another car, or if it overturns. Your insurer will pay to repair these damages even if the collision is your fault. A deductible applies to this coverage.

Other than Collision (Comprehensive)

Comprehensive coverage pays for such occurrences as theft of your vehicle, glass breakage, and damage due to fire, windstorm, hail, water, falling objects, vandalism, explosion, or hitting a bird or animal. The actual cash value of the car is the most an insurer will pay for damages. A deductible applies to this coverage.

Custom coverages are available for high value and exotic vehicles.

© Howe Insurance Group. All rights reserved.
Designed and Hosted by Princeton Online