Automobile Insurance                                           

Standard Mutual Automobile insurance is designed to provide you with quality protection for your many automobile insurance needs at competitive prices.  

Please contact an Independent Insurance Agent representing Standard Mutual for specific information about, or to apply for, any of our coverages.
THREE PROGRAMS AVAILABLE – ULTRA PREFERRED, PREFERRED,  & STANDARD
  
Liability Coverage

Provides you with coverage for bodily injury and property damage claims of others for which you are legally liable.  Legal defense costs are also a part of this coverage.

Medical Payments Coverage

Provides coverage for medical expenses for you and your passengers due to a covered loss.

Physical Damage Coverage

Collision – provides coverage for loss to your car caused by collision with another vehicle or object, other than an animal.  Comprehensive (other than collision) – provides coverage for loss to your car by means other than collision including fire, theft, broken glass, and animal collision.

Uninsured and Underinsured Motorist Coverage

Provides coverage for you if you are involved in an accident with an uninsured or underinsured driver.  Even in a mandatory insurance state, underinsured coverage is more important than ever.

Optional Coverage

  • Towing and labor
  • Rental reimbursement  (Transportation expense)
  • Loan/Lease coverage
  • Sound reproducing equipment   (e.g., Tapes and CD’s)
  • Communications equipment   (e.g., Cellular phones)
Discounts

  • Placing both your auto and home insurance with Standard Mutual
  • Valued customer – rewards you for continuing to renew your policy with Standard Mutual
  • Good student
  • Anti-Theft devices  
  • Insurance Score – the higher the score, the bigger the discount
Motorcycle Insurance

Standard Mutual can also provide coverage for your motorcycle.  The same types of coverages you need for your automobile are also needed for your motorcycle.  Liability, medical payments, uninsured/underinsured motorist and physical damage coverage can all be purchased.  With Standard Mutual, you can conveniently add your motorcycle to your automobile insurance policy, rather than a separate policy…providing better coverage than with a separate motorcycle policy.

Travel Trailer Insurance

Physical damage coverage for your travel trailer or camper can also be added to your Standard Mutual automobile policy.  This also provides Comprehensive (other than collision) and Collision coverage for the travel trailer or camper.  Liability protection is provided automatically by the automobile insurance policy covering the vehicle while the trailer or camper is attached.
 
This page contains only a general description of coverage and is not a statement of contract. All coverages are subject to the exclusions and conditions of the policy itself.