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Family Owned Independent Insurance Agency Since 1949
Auto Insurance
Let’s Find You the Best Auto Insurance Coverage for the Lowest Premium
If you own and drive a car, you need to have it insured. The challenge is understanding exactly what your auto insurance covers, how to handle a claim, and whether or not you are getting the best insurance coverage for your specific needs.
At Plum, we work to get to know our clients, so we can help you find the best coverage and help you make informed decisions about your auto insurance. We work with a wide range of insurance providers and can help find a rate that works for your budget and gives you the coverage you need to feel confident.
On top of that, we’re here to answer any questions and help you out should you need us, even long after we matched you with the perfect insurance plan.
Types of Personal Insurance Policies
We can help you acquire a wide range of personal insurance policies, including the following:
Auto Insurance
Accidents happen, and when they do, you’ll want the confidence that comes with understanding what is covered under your insurance.
Motorcycle Insurance
Cover your ride as well as your expensive gear, and even get optional roadside assistance and medical coverage.
Boat Insurance
Protect your boat from bow to stern with a policy that covers the unique needs of your watercraft, whether it’s a sailboat, powerboat, houseboat, etc.
Insurance for Recreational Vehicles
RVs and travel trailers can be your home away from home, so it’s just as important to make sure you protect your investment while traveling.
Commercial Vehicle Insurance
Protect company vehicles and cover employee drivers in the event of an accident. We can find coverage for any type of commercial vehicle.
Things to Think About with Auto Insurance:
Liability
When an accident involves another person or property damage, liability comes into play. This covers medical bills of other people involved in an accident, but it doesn’t cover the expenses for you or your passengers.
Collision Protection
Collision covers damage to your vehicle if you are involved in an accident. Generally, collision protection doesn’t regard fault - if the accident involved another car or your car is in a single-car accident, collision is there to cover the repairs.
Comprehensive
Comprehensive car insurance protects your vehicle damage that isn’t considered a collision, such as a natural disaster or vandalism. It’s not required by any state law, but drivers typically have to have it for leased or financed vehicles.
Personal Injury Protection (PIP)
If an accident results in medical expenses for you and/or your passengers, PIP can assist in covering these costs. This is a requirement in many states, including New York, New Jersey, and Florida. PIP may also compensate you for things like lost income and child care expenses, and like health insurance, may have a deductible.
Medical Payments (MedPay)
Similar to Personal Injury Protection, this tends to cover medical payments in the event of an accident, regardless of fault. Unlike PIP, it doesn’t cover things outside of medical bills, but it can provide additional coverage if medical bills exceed the limits of your PIP insurance.
Uninsured/Underinsured Motorists
If you are in an accident caused by an uninsured motorist or a driver who doesn’t have enough liability insurance to cover your expenses, this coverage is here to protect you. It’s required in about 20 states, including NY and Connecticut.
Plum Insurance Agency
Providing Coverage to Our Community
Since 1949
Submit a Claim
Simply call us, anytime, day or night, and we will help you navigate the claims process. You can also submit your claim information from the link below.
Insurance Questions?
When it comes to insurance, there's no question you should not ask.