Automobile Insurance

Auto Insurance Basics

woman driving a carAuto insurance is a requirement for anyone that owns a car, but often the basics of a policy seem to confuse many drivers. There are a few basic things you might want to know to make sure you have the best policy for your vehicle.

Complete Coverage

If you still make payments on your vehicle, then you must have complete auto coverage. This is insurance that will repair (or replace) your vehicle if there is an accident. It also protects you if an uninsured motorist hits you.


Liability auto insurance is available if you drive an older vehicle that might not have a big replacement value. This insurance protects you if you were to hit something or another vehicle. It would repair the other vehicle, but not your own. It is a little riskier to hold this type of insurance, but it is less expensive.


An auto insurance policy will have different deductibles for each feature. When considering the amount of the deductible, think about how much you can afford to pay out of pocket in the event you have a repair. The larger the deductible amount, the lower the cost of the insurance will be.

Can you afford $500 or $1000 if you have a collision in order to repair your car? Carrying a lower deductible will increase the premium of your insurance, but for some people the monthly budget is less of a concern than a huge chunk in an emergency.

Types of Coverage

Bodily Injury

Bodily Injury coverage is the amount you are insured for to cover any injuries caused to other drivers or passengers. This coverage also helps protect you if you are sued as a result of an accident.

Collision Coverage

Collision coverage is the auto insurance that covers damage if your car hits something. The deductible determines the amount you are responsible for before insurance kicks in.

Comprehensive Coverage

Comprehensive coverage covers theft, fire, hail or vandalism (damage other than collision). This will also have a deductible amount.

Uninsured Motorist

Uninsured motorist protects you against damage from uninsured or under insured motorists.

Medical Payments

Medical payments coverage help cover medical expenses for injuries sustained in a vehicle accident.

Property Damage

Property damage liability is the car insurance that every driver is required to have. It is the coverage that makes payments for damages to property.

How Much Auto Insurance Do You Need?

At Farley Insurance we will take the time to explain your options and make sure that you get the best coverage at a rate that makes sense for your budget. Our qualified insurance agents can help you understand exactly what you are buying.


  • "I have been a customer of Farley Insurance since 1982. When I've had a claim they have been great to work with. They go to bat for me every year for the best rates which keeps me coming back. Very appreciative of Kent and his staff."

    — Penny

  • "My family has been with Farley Insurance Agency for 28 years. We enjoy their professional service they provide for our everyday needs as well as at claim time. Our claims have always been paid in a timely manner and their staff is very knowledgeable and helpful. They are truly 'only a call away'!"

    — Terri

  • "In November of 2015, we had a major fire which destroyed everything. We reopened in April of 2016 thanks to Farley Insurance. We could not have asked for better or more pleasant people to work with. They made everything run smoothly. We would recommend them to anyone. Thank you Farley Insurance!"

    — Nick

  • "We have used Farley Insurance Agency for a few years with a variety of business and personal coverage. Tim and his office has always been prompt and professional when dealing with any inquiries or issues that arise. We have found Tim to be competitive and has saved us money on insurance costs."

    — Mike

  • "Farley Insurance Agency has been Rex Vault's insurance provider for many years now. Both Tim and Chad have been excellent to work with. Their product knowledge is outstanding and their experience is always helpful."

    — Mark

  • "Tim Farley has been our agent for several years and we have been happy with his service and find him and his staff very helpful."

    "Insurance in the construction industry is competitive and we feel very comfortable with using the Farley agency."

    — Scott

  • "Farley Insurance Agency has been provides the business insurance for the City of Newton. Their product knowledge is outstanding and their experience is always helpful."

    — Mark