Auto/Car Insurance

Our clients have been choosing the Grimm Insurance team to insure their cars and other vehicles because of our competitive prices and personal customer service, but our policies offer so much more. We also provide:

• Highest levels of customer service for auto policyholders
• Over 30 extra car insurance policy features
• Flexibility to customize your car insurance policy
• Stability that ranks at the top of the auto insurance industry

A classic, collectible or antique car is no ordinary car—and regular auto insurance is not sufficient to protect such a vehicle against damage or loss.

That said, there is no uniform definition of a classic car. If a car’s value exceeds its original selling price, then it might be considered collectible and a candidate for specialized classic car insurance. In general, vehicles that might warrant classic car auto insurance include:

• Antique and classic cars, usually at least 25 to 30 years old
• Hotrods and modified vehicles
• Exotic and luxury autos—think James Bond
• Muscle cars
• Classic trucks

 You might also seek specialized insurance for vintage military vehicles, classic motorcycles and antique tractors. 

 Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state. 

 Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course. 

 The Business Auto Coverage  is the most commonly used contract for providing business auto liability insurance.  Although the form refers only to “autos,” autos are defined to include cars, trucks, trailers, vans or other vehicles designed for use on public roads.

Each vehicle you use in your business can be separately “scheduled,” or listed on your policy along with corresponding coverages. In other words, you can choose different coverages, for your various vehicles, depending on the vehicle’s characteristics and the coverage you need for it. 

ATV insurance is often sold as part of a broader range or insurance. For example, several companies sell ATV insurance through their motorcycle insurance divisions, while other companies might sell ATV insurance through an Off-Road Vehicle (ORV) insurance division.

When getting an ATV insurance quote, think about which vehicles you might want to insure. Remember that many companies offer a discount for insuring multiple vehicles under one policy.

Often ATVs can be insured along with your:

• Motorcycle.
• Golf cart.
• Dune buggy.
• Go-cart.
• Snowmobile.
• 4x4.

  Our auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.