About Auto Insurance
Auto insurance is an essential protection and a legal requirement to operate your vehicle. It covers the costs associated with being in an auto accident and in some cases damage to your vehicle from hail, fire, theft, and other hazards.
What makes up my auto premium?
The costs of auto insurance vary greatly and are dependent on factors including the age of the vehicle being covered, the age of the driver(s), the driving history of the driver(s), the type of coverage desired, and even your credit. Speak with an agent is the best option to ensure all options are explored to provide you with the best coverage for your situation.
Reasons to have Auto insurance
Aside from the legal requirement to have car insurance while operating your vehicle, there are many advantages of having good auto insurance.
Guards you against liability should you happen to be involved in an accident
It can protect your investment should you be a victim of theft or vandalism
It can provide coverage for medical expenses arising from a motor vehicle accident
It can provide coverage to repair or replace your vehicle
Types of Auto Insurance Coverage
Car insurance is more than just covering your liability against accidents you may cause. These critical areas of every policy can provide you piece of mind for various situations on and off the road.
Bodily Injury Liability
Provides coverage for the cost of injuries you may inadvertently cause with your own vehicle.
Property Damage Liability
Provides coverage for property damage you may cause with your vehicle.
Personal Injury Protection
Provides coverage for medical expenses for you and your passengers after a motor vehicle accident.
Provides coverage for damage cause by a driver that does not have insurance or whose insurance doesn’t cover the total cost of damages.
Provides coverage for damage not caused by a collision such as hail storms or falling tree branches.
Provides coverage for damage caused by a collision regardless of who is at fault.
The basics of auto insurance
The simple steps to covering your car, yourself, and your family.
Get a Quote
The first step to getting covered is to get a quote for the coverage that you need. We can work with you to make this a simple and painless process.
Buy your Policy
When you’re ready to move forward with a policy that’s just right for you and your family, you simply pay the premium (monthly or annually).
File a Claim
If the unfortunate time comes that your car becomes damaged or you’re involved in an accident, make a claim.
We love helping people!
Our job is to personally ensure that you're covered. See what others have to share about their experience with us.
Josiah and Ryan have been excellent to work with on our personal and business policies. I would recommend them for your insurance as well.
Lakefront saved me over 20% of my monthly premium on my Home and Auto policy, I highly recommend the agents there.
I called lakefront to get a quote on my home and auto policies and in less than 24 hours they got back to me with a quote that beat my current policy by hundreds of dollars. Awesome service!
Mon-Fri: 9am to 5pm
Nights and weekends by appointment
507 Market St
Osage City, KS 66523