Our agents know how coverages may differ between the everyday vehicle and more recreational vehicles such as motorcycles, ATVs, boats and more. Get protected from unexpected damage, bodily injury, loss, and even theft!
No matter what coverage you need, we will search around to find you the best rate.
Great rates on Liability, Collision, comprehensive, underinsured motorists, & more.
Low rates for your motorcycle. Get liability or full coverage protection.
Whether you drive for work or pleasure, ensure protection of yourself and your passengers.
Low rates on coverage for damage to, or loss of, your camper or recreational vehicle.
Add boat insurance to your policy for protection both in and out of the water.
Get inexpensive coverage for your outdoor toys in the event of damage or injury.
As an independent agency, Alchemy can shop multiple brands at once to find the insurance that best suits your needs.
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Different policies cover different risks of driving. The most common types of coverage include: liability, collision, medical expenses, uninsured motorist, and roadside assistance. For more information about these different types of policies you can check out our blog, or contact one of our dedicated agents.
Even the most experienced, safe drivers may not be able to avoid accidents. There are many risks while driving that are out of your control such as unsafe drivers and poor weather conditions. Owning auto insurance helps you cover these risks while protecting you and other motorists on the road.
Forty-seven states require vehicles to be insured before they can be driven. In most states the minimum amount of coverage required is liability insurance, which covers injuries and damages to the parties involved.
A wrongful act (not including a breach of contract or trust) that results in injury to another person, property or reputation -- and for which the injured party is entitled to compensation.
While it might save you money on your monthly premium, you should carefully weigh the savings compared to the possible damage that could result from a harmful car accident. With Limited Tort, you waive your rights to get compensated for the harmful effects of an accident, which can sometimes be lifelong.
If you have Full Tort coverage, regardless of the extent of an injury, you are permitted to enter a claim for pain and suffering, as long as the accident was not your fault. Without Full Tort, you could be left holding a bill for an accident you didn’t create. And, it’s well known that the effects of a car crash injury may not be fully known until weeks, months, or even years after and accident.
If your vehicle is damaged as the result of an incident other than a collision, Comprehensive Insurance is an optional coverage that will pay the cost (minus your deductible) of repairing or replacing it. For example, you would be covered if your vehicle sustained damage from a storm, a flood, a fire, vandalism, or theft.
If your vehicle is damaged in an accident, collision insurance is an optional coverage that pays the cost of repairing or replacing it (minus the amount of your deductible). Collisions can involve another vehicle or an object, like a guardrail or a tree. If you are financing your vehicle most finance companies require you to have Collision Insurance.
Please note these two types of insurance are usually optional, however, they are required in some states.