Get the Right Coverage

Find the right coverage and within your price point. Thats the benefit of going through an Independent Agent. Unlike a direct writer who only has authority to sell their own company’s products, an independent agent has access to multiple providers and can shop for the best policy for you.

Auto Insurance Providers we offer:

  • Auto-Owners
  • Progressive
  • Nationwide
  • Northstar

What is covered with auto insurance?

Liability Coverage

Liability insurance pays for damage and injuries you cause others in accidents. Bodily injury liability pays the medical expenses of others who are injured; property damage liability pays to repair or replace their cars or other damaged property.

Medical Payment

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. Which could include medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.


This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.

Bodily Injuiry

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.


This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Full glass coverage available with some providers.

Uninsured and Underinsured Motorist

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Other coverages include but not limited to:

  • Additional Expense
  • Loan/Lease Gap Coverage
  • Non-Owned Automobile
  • Personal Injury Protection
  • Pet Medical Coverage
  • Property Damage Liability
  • Rental Car Coverage
  • Road Trouble Service

*Listed coverages are not available with all providers. Contact us to find out what coverages are available.

Auto Insurance Discounts

While we strive to provide the best coverage available to our policyholders, we also aim to keep premiums low by offering an extensive list of auto insurance discounts.

Discounts Available*

Student Discount

With exams, study sessions, and the pressures of achieving an education, students have enough to worry about. Randy Sabers and Associates offers a wide range of auto insurance discounts for students in high school, college, or technical school to reward young drivers who are demonstrating responsibility.


By purchasing multiple types of insurance from one provider, you can be confident you’re receiving the optimal level of protection. Not only is it convenient to receive all of these products from one provider, but it also allows us the opportunity to build a more complete picture of your coverage needs and find multi-policy insurance discounts for which you may be eligible.


The Paid-in-Full discount offers an additional layer of convenience. By paying your entire six- or twelve-month premium up front, instead of in installments, you receive the benefit of:

• Reducing your car insurance premium by 5% to 11%
• Saving time, hassle, and postage costs by eliminating monthly bills

Not only will you be impressed with the amount of money you can save, but you’ll have one less bill to worry about.

*The auto insurance discounts are only available with partcipating insurance providers. Not all discounts may be available. Contact us to find out if your provider offers discounts.

Get an quote today and see what discounts you might be eligible for.

get a quote

What you will need for a quote:

In order to provide you the most accurate quote we need some personal information and vehicle information.

VIN Number

The VIN number of your vehicle. This can be found under the driver side front window.

Owned or Leased

Is your vehicle owned out right, loaned or in a lease.

Make, Model & Year

The make, model & year of your vehicle. (ie. Chevy Impala 2017)

Personal or Business

Are you using your vehicle for personal commute or business.

Model Information

Specific model information, such as engine type or body type

Drivers License Number

Any drivers listed on the policy drivers license numbers.

Other information that may be needed:

  • Age of all drivers
  • Driving experience
  • Safety features available
  • Vehicles garaging location
  • Accident & violation history.
  • Drivers license status