The right auto insurance makes all the difference. When it comes to car insurance, sometimes you want to talk to an insurance pro that can get you the best rate with the least hassle. At Joe McGuire Insurance Agency, you can do both.
As one of the oldest insurance agencies in Hutchinson, Kansas, we are the most reliable place to find the rates you deserve and the service you desire. We have been protecting our insured for over a century. We are an independent agency which means we are able to customize the perfect insurance policy for you. When you bundled your different types coverage you can save even more.
Owning a vehicle comes with unavoidable risk – from accidents, vandalism, weather and other causes. An insurance policy is not only a legal requirement but an essential protection for yourself against expensive damage claims, medical claims and potential lawsuits.
Auto insurance is divided into levels of coverage, from the very basic to the comprehensive. Here is an overview of coverage available:
REQUIRED BY STATE LAW
Bodily injury liability: This is coverage for accidents caused by you. It will cover medical expenses, rehabilitation or funeral costs for the other party in the accident (but not yourself). It will also cover lawsuit settlements or other legal expenses.
Property damage liability: This is coverage for accidents caused by you. It will cover repair, replacement or cash value for another party’s property (but not your own). It will also cover lawsuit settlements or other legal expenses.
Uninsured/Underinsured: This is for accidents caused by uninsured, underinsured drivers or hit-and-run drivers. It covers medical expenses, rehabilitation and funeral expenses for you and your passengers; lawsuit settlements.
Personal injury: This is for accidents, regardless of fault. It covers medical expenses, rehabilitation, in-home assistance and funeral expenses for you or your passengers, as well as lost wages. This policy will also cover you if you are injured in an accident while walking or riding a bike.
Comprehensive: This is for theft or damage to your vehicle, outside of accidents, such as vandalism or damage caused by fire, weather, animals or falling objects. This will cover repair work or replacement of your vehicle (minus your deductible payment).
Collision: This is for accidents or rollovers, regardless of fault. It covers repair of your vehicle, replacement at cash value for your vehicle (minus deductible)
Our insurance services will provide the protection you need for automobiles, trucks, motorcycles, RVs and boats. Rates will vary based on the year, make and model of your vehicle, as well as other factors such as geographic location, your traffic record and your age.
Be sure to ask us about our discounts: Spotless traffic records, good grades (for students) and other factors may earn you savings.
Call us at 620.662.6674 or Email Us for a Quote!