Protect Yourself and Others:

  • Liability Coverage protects you for damages to others if you are at fault in an accident.
  • Medical Payments Coverage provides payment for medical treatment for bodily injury caused by a covered accident.
  • Underinsured/Uninsured Motorist Coverage protects you for covered damage caused by drivers with no insurance or those who don’t carry enough insurance. 

Protect Your Car:

  • Collision Coverage pays to repair or replace your insured car after a covered accident.
  • Comprehensive Coverage pays for covered damages to your insured car, resulting from a peril other than collision, such as theft, windstorms, flood or deer. 

Protect Your Assets:

  • Personal Injury Protection covers certain reasonable and necessary expenses.
  • Additional Coverages for towing, labor and rental reimbursement. 
  • Accident Forgiveness could help you avoid rate increase following your first at-fault accident.


Policyholders also benefit from the following at no additional cost:
  • New Car Repair/Replacement covers the replacement cost of your new vehicle within the first year of purchase (except for fire, theft or vandalism).

  • Discounts:

    • New Business Credit all new business will receive a premium credit.
    • Multi-Car saves money if you insure more than one vehicle.
    • Preferred Risk Premium Discount applies to all vehicles meeting underwriting criteria.
    • Roadside Assistance Discount applies when an insured belongs to a motor club.
    • Loyalty Credit based on the number of years a policy is insured with Preferred Mutual.
    • Good Student for full-time high school or college students who maintain a "B" average or better.
    • One Pay Discount when entire premium is paid at beginning of policy term.
    • Annual Mileage for drivers who drive their vehicle less than 7,500 miles annually.
    • Driver’s Training for inexperienced drivers who take an approved driver’s training course.
    • Multiple Policies for policyholders who insure their vehicle in addition to their homeowner’s or mobile homeowner’s policy.
    • Security for safety devices including air bags, anti-lock brakes, passive restraint and anti-theft devices. 
    • Class 15 Discount for Insureds 65 and Older.

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