Personal Insurance

Auto Insurance

Since 1953, our independent agency has helped drivers compare auto insurance options while we do the shopping for them. Let us review your needs with access to more than 30 rated insurance companies.

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One request. We shop over 30 rated companies for you.

1Tell us onceShare what you need.
2We shop30+ rated companies.
3You chooseWith local guidance.

Auto Insurance Coverage

When it comes to car insurance, you need an agency you can trust. Our team helps compare coverage options, explain limits and deductibles, and match your situation with available carrier options.

Because every driver situation is different, our team compares available policies and explains the tradeoffs clearly so you understand what you are choosing.

If you want help reviewing auto insurance options without sorting through carriers on your own, contact our team and we can help you get started.

Florida drivers reviewing auto insurance coverage with a local advisor beside their vehicle

One request. We shop over 30 rated companies for you.

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Why People are Choosing us

4.9 Stars - Based on 622 Google Reviews

Compare Auto Insurance Options

If you are looking for reliable auto insurance, Oyer, Macoviak and Associates can help you compare options from multiple rated companies. Our experienced team reviews your needs and does the shopping for you.

We can help compare coverage, limits, deductibles, and available carrier options so you can make a confident decision based on your vehicle, household, and budget.

Why wait? Get started today with Oyer, Macoviak and Associates and put your mind at ease when it comes to car insurance.

Why Do Business with us?

Keeping up with car insurance choices can be frustrating. Oyer, Macoviak and Associates helps you compare coverage options so you can protect your vehicle with more confidence.

We do the carrier research for you and help compare available policy options from more than 30 rated companies. Our team explains the differences so you can choose coverage with confidence.

Get in touch today and receive protection from respected companies for confident peace of mind.

01What is auto insurance.

Automobile insurance is a contract which protects you against liability. It also helps cover damage to another motorist’s property resulting from auto accidents and covers damages to your auto, injuries or death in an auto accident and any medical expenses incurred by you because of the auto accident.

02Who needs to purchase Car insurance?

Everyone driving an auto needs automobile insurance unless they have an auto loan from a financial institution or an auto lease.

03What does insurance cover?

Automobile insurance covers auto accidents, auto theft, auto fire and auto vandalism. This is called liability coverage. Car insurance also covers auto glass replacement, auto towing and auto medical payments for injuries sustained in an auto accident. You may also purchase a medical payment waiver if you have health care coverage and credit life insurance which pays off your balance of auto loans in case of death, auto theft or auto vandalism.

04What is covered in automobile insurance policies?

Each automobile insurance policy is different, but all insurance policies include a liability section which gives you coverage against your auto causing injury or death to another person and their property damage. Some auto policies also include comprehensive, collision, uninsured motorist, and medical payments.

05Are all insurance policies the same?

No. insurance policies differ according to the type of auto you are driving and the amount of coverage you need. Factors which determine car insurance rates are your auto type, marital status, residence, occupation, age, gender, and credit history.

06What is no fault insurance?

No-fault automobile insurance or personal liability protection insurance reduces insurance costs because it means that the auto owners who have car insurance are no longer responsible for injuries to other auto drivers and pedestrians. However, this doesn’t mean you can drive without auto liability insurance as you must remain covered up to a certain amount in case of severe injury or death..

07Is auto insurance required by law?

Yes. Insurance is required by law in some states and provinces. In Canada insurance is required for auto loans from financial institutions or auto leases, but not for purchasing a vehicle. In the United States car insurance is primarily voluntary but mandatory in some areas. Consult with your DMV or local auto organization for information concerning automobile insurance laws in your area.

08When can I cancel my automobile insurance policy if I don’t want it anymore.

It is recommended that automobile insurance remain continuous when possible to help avoid coverage gaps and potential underwriting concerns. If you no longer need coverage, speak with your agent before cancelling.

09What happens if I cancel auto insurance in the middle of the month?

This depends on your insurance policy. Some insurance companies charge a higher premium for insurance cancelled in the middle of the month. Check with your insurance company to see what happens when insurance is cancelled before or after 31 days.

10What would be the procedure for claiming under an automobile insurance policy?

Fill out the insurance claim form and take it to your car insurance company. If there are specific auto accident claims forms in your auto policy, you should use them instead of the auto claim forms used by other insurance companies.

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