Auto Insurance

Purchasing a car in today's competitive auto market is not easy. There are many different shapes, styles, models and colors from which to choose. By getting as much information as possible, you can buy the car that best fulfills your needs at a price you can afford.

Purchasing auto insurance is not easy. Even though auto insurance policies appear similar, there are enough differences to affect your coverage.

You need to purchase a policy that gives you the best insurance protection for your money. You deserve a policy that has the same quality and value you look for in a car.

If you're a good driver who's interested in purchasing quality auto insurance, consider Peninsula Insurance Company and the auto coverages we provide.

Liability

BODILY INJURY - Pays damages for bodily injury, sickness, disease or death to others as a result of an auto accident for which you are liable.

PROPERTY DAMAGE - Pays for damage to another person's car or other property because of an auto accident if you are liable.

SUPPLEMENTARY PAYMENTS - Pays over and above the liability limits for bail bonds and certain expenses you incur at the request of the company.

Medical Payments

Pays reasonable expenses incurred by you and others in your car within three years from the date of an accident for hospital, medical and funeral services.

Damage to Your Auto

COLLISION - Pays for damage to your car caused by upset or collision with another vehicle or a stationary object.

OTHER THAN COLLISION (OTC) (Formerly known as Comprehensive) - Pays for loss, other than collision, caused by a wide range of perils, including fire, theft, flood and windstorm. This part of the policy also includes coverage for transportation expenses if your car is stolen.

A selection of various deductible amounts is offered with both Collision and OTC Coverages.

Uninsured Motorist

Covers you, family members and other passengers in your auto for bodily injury, including death, resulting from an accident caused by a hit-and-run driver or a driver who has no insurance.

Also provided is UNDERinsured Motorists coverage which provides protection in the event you or other covered persons are injured in an accident caused by a driver who is insured but has liability limits lower than your own. This coverage pays for additional expenses, if required because of the injuries, once the other driver's liability limits have been exhausted.

No-Fault Coverages

If you live in a state which has a No-Fault auto insurance law, the policy will include coverage to meet the legal requirements. This type of coverage is usually known as Personal Injury Protection and normally provides payments for hospital and medical charges, wage loss benefits and related expenses.

ASK ABOUT

For a minimal charge you can add these options to your insurance coverage. These supplementary coverage endorsements are for your added protection.

  • Towing
  • Rental Reimbursement/ Transportation Expense
  • Sound Reproducing Equipment
  • Recreational Vehicles
  • Antique Cars

YOU CAN RECEIVE LOWER RATES IF:

  • Your car has lower than average claim cost if damaged.
  • You have more than one car insured with us.
  • Your vehicle is for "pleasure-use".
  • You have larger deductibles for Collision and Comprehensive coverages.
  • Your home is also insured by The Peninsula Insurance Company.
  • You have been insured by The Peninsula Insurance Company for at least 3 years with no at-fault accidents.

Peninsula Auto Policies are designed to meet the personal auto insurance needs of mature, experienced and safe drivers. Protection and saving money are key features that we offer to you.

Protection

All the essential basic coverages you require - in the amounts you require - for liability, property damage and medical expenses.

Competitive Rates

Highly competitive rates that become especially attractive at more mature ages. As a group, older drivers are safer drivers, so you qualify for a discount on your auto insurance.

Money Saving

A choice of premium-saving deductibles and special discounts help you to get the best insurance at the most affordable price.

Teamwork

There are over 28,000 customers that currently have The Peninsula Insurance Company as their insurance carrier. Peninsula Insurance works through the independent agency system. The agents we select to represent us are among the most professionally trained personnel in the industry. Our teamwork approach to working with these valued professionals allows us the opportunity to continue to respond to the needs of our customers.

The Peninsula Insurance Company is a financially sound, top-rated company that has been in business since 1960.

With respect to such items as management expertise and financial stability, we have an A.M. Best Company rating of "A" which is judged to be excellent in comparison to other property and casualty insurers.

Being a "multi-line" insurance company, we insure automobiles, motorcycles, manufactured homes, homeowners, commercial multi-peril, workers' compensation, businessowners, inland marine, garage liability, excess liability and commercial auto business.