Auto Insurance
Customized Coverage for Peace of Mind
You’re not just protecting a car—you’re protecting your peace of mind. Our job is to make sure that, no matter what comes your way, you’re covered. Ready to experience auto insurance that works as hard as you do?
What we cover
At Ford Insurance, we know that every driver’s needs are different. That’s why we offer a range of customized auto insurance options designed to keep you protected, no matter what the road throws your way. Whether you’re cruising through wide-open highways or navigating busy city streets, we've got you covered.
Liability Insurance
When you’re behind the wheel, you need protection that’s got your back.
Uninsured Motorist Insurance
Protects you when the at-fault driver doesn’t have insurance.
Collision Insurance
Covers your vehicle if it’s damaged or totaled after a collision with another car, a guardrail, or any other object.
Comprehensive Insurance
Protects your vehicle from theft, fire, vandalism, severe weather, or even a runaway shopping cart.
Medical Payments (MedPay)
Takes care of your and your passengers’ accident-related medical expenses, regardless of who’s at fault.
Personal Injury Protection (PIP)
Covers rehab costs, lost wages, funeral expenses, and even essential services like child care if accident-related injuries keep you from doing your daily tasks.
Why The Ford Agency
We partner with top insurers to offer competitive, customizable plans for riders across the U.S. Get the right coverage and peace of mind, coast to coast.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
