Automobile Insurance

BCV is an independent insurance agency. We represent the majority of the car insurance market place. This means we can shop your protection and pricing for you. With access to rates for hundreds of insurance companies you can be sure we can offer the best protection and the most economical price. However, we don´t stop there. The primary insurance companies we choose to work with are solid financial organizations which want to stand with you when you have a claim. Not all insurance companies have this reputation. Click the radio button for an instant online quote or just call us and we will quote your protection for you. We´re here to serve you.

Discounts and special programs
You need not sacrifice solid protection to gain competitive pricing on your insurance protection. We offer special package discounts if you combine home insurance with your automobile insurance. We also offer discounts for: Engineers, Scientists, Teachers, medical and legal professionals. Let us build a competitive quote for you.

Which coverages do I need, and what do they really cover?

Bodily Injury and Property Damage Liability: BI and PD provides protection for injury to another person or damage to the property of another while using your automobile. Bodily injury protection can be stated in a "combined single limit," which provides protection for all bodily injury and property damage on a per accident basis. Protection is also available in a "split limit," which provides a bodily injury limit (to the other party) for each accident with a maximum limit for each person involved in the accident. The split limit also provides a separate dedicated limit for damage caused to another person´s property with your automobile. Which is right for you can be determined following a discussion of your needs with one of our professional licensed agents.

Medical Payments: Medical payments provides coverage for you and your passengers. This protection is usually stated as a limit per person in your car. Medical payments is intended to pay medical bills resulting from the use of your car, which will go uncovered otherwise. This protection allows you to provide a small measure of protection for you and your passengers.

Comprehensive: This protection covers damage to your car that is not defined under the collision coverage. Comprehensive most commonly provides protection against theft, vandalism, fire and flood.

Collision: Collision coverage protects your car and it´s value if it is damaged in an accident. This protection also responds if your car suffer "upset" (rollover). Whether you hit another object or that object hits your car, this insurance coverage will repair or replace your car.

Uninsured Motorist: Uninsured motorist protection provides protection for you, your passengers and your loss of earnings if you are injured in a non-fault accident by a driver who doesn´t carry insurance, or even if that driver did not buy enough insurance to handle your losses.

Rental Reimbursement: If your car is disabled in an accident or stolen, you still have need of transportation. A rental car can cost between $200 and $400 per week. Your insurance company can cover this cost for you. We will tailor your policy to include this coverage so you don´t suffer additional financial loss.