Drive with Confidence, We’ve Got You Covered!

Navigating the roads of life can be unpredictable. Whether it’s a minor fender-bender or a more serious accident, having the right auto insurance policy ensures you, your passengers, and your vehicle are protected.

Why Choose SB Insurance for Your Auto Insurance?

Comprehensive Coverage Options

Choose from a variety of coverage options including collision, comprehensive, liability, uninsured motorist, and more. Whether you’re looking to cover your new sports car or a family van, we’ve got a plan for you.

Affordable Rates

Through our partnerships with top-rated insurance providers, we ensure that you get competitive pricing without compromising on coverage.

Quick Claims Process

When accidents happen, time is of the essence. Our dedicated claims team is available 24/7, ensuring a swift and hassle-free process.

Personalized Service

Every driver and vehicle is unique. We work closely with you to understand your needs and provide insurance solutions that truly fit.

Discounts & Savings

From multi-car discounts to safe driver bonuses, explore a plethora of ways to save on your auto insurance premium.

Common Auto Insurance Coverages

Liability Insurance

Auto liability insurance is a type of car insurance that covers the costs when you’re held responsible for bodily injuries or property damage in a vehicular accident. It does not cover your own injuries or damages to your own vehicle; instead, it is designed to pay for the other party’s medical bills and/or property repairs if you’re found at fault for the accident.

There are typically two main components of auto liability insurance:

  1. Bodily Injury Liability (BI): This covers the costs associated with the other party’s injuries or death as a result of an accident you caused. This can include medical bills, loss of income, and pain and suffering. Moreover, if the injured party decides to sue you, bodily injury liability can also help cover your legal defense costs. Coverage limits for bodily injury liability are usually split into two amounts:
    • Per person limit: The maximum amount your insurance will pay for one person injured in an accident.
    • Per accident limit: The total maximum amount your insurance will pay out for all injuries in a single accident.
  2. Property Damage Liability (PD): This covers the costs to repair or replace someone else’s property (typically their vehicle, but it can also include things like fences, light posts, or buildings) when you’re at fault in an accident.

Agent Tips-

  • Liability insurance is mandatory in most U.S. states. However, each state has its own minimum coverage requirements.
  • While purchasing only the minimum required coverage might allow you to drive legally, it may not be enough to cover all costs associated with an accident. Therefore, many drivers opt for limits higher than the state-mandated minimums to protect their personal assets.
  • Auto liability insurance does not cover your own medical expenses or damages to your vehicle. For that, you’d need other coverages like collision, comprehensive, or personal injury protection (PIP), depending on the nature of the damage or injury and where you live.

Collision Insurance

Auto collision insurance is a type of car insurance coverage that pays for damage to your own vehicle caused by a collision, regardless of who is at fault. This can be a collision with another vehicle or with a stationary object like a tree, guardrail, or pole.

Here are some key points about auto collision insurance:

  1. Coverage Scope: Collision insurance specifically covers damages to your vehicle resulting from:
    • Colliding with another car.
    • Single-car accidents involving rolling or falling over.
    • Hitting obstacles like a fence, tree, or light pole.
  2. Deductible: Collision coverage typically comes with a deductible. This is the amount you must pay out of pocket before your insurance pays. For example, if you have a $500 deductible and $3,000 in damage repairs, you pay the first $500 and your insurance would cover the remaining $2,500.
  3. Not Mandatory (But Often Recommended): While collision coverage is not legally required by any U.S. state, it’s often required if you lease or finance your vehicle. Lenders want to ensure their financial interest in the vehicle is protected.
  4. Complement to Liability Insurance: Collision insurance complements liability coverage, which pays for damages to another person’s vehicle or property when you’re at fault. Collision covers your own vehicle’s repairs or replacement.
  5. Total Loss: If your vehicle is deemed a “total loss” (meaning the repair costs exceed the vehicle’s current value), collision insurance will pay out the actual cash value (ACV) of your vehicle prior to the accident, minus your deductible.
  6. Premium Considerations: The cost of collision coverage depends on several factors, including your vehicle’s age, make, model, and your chosen deductible amount. In some cases, if a vehicle is older and has a low market value, drivers might opt not to have collision coverage since the potential payout might not justify the premium costs. However, for newer or more valuable vehicles, collision coverage can be an important protection.
  7. Difference from Comprehensive Insurance: It’s essential to differentiate between collision and comprehensive insurance. While collision covers damages from accidents, comprehensive insurance covers non-collision damages like theft, vandalism, natural disasters, and encounters with animals (like a deer crossing the road).

Agent Tips-

  • If you’re considering auto collision insurance, it’s essential to evaluate the value of your vehicle, your financial situation, and your risk tolerance to determine the appropriate coverage level and deductible.

Comprehension Insurance

Comprehensive insurance is a type of car insurance coverage that pays for damage to your vehicle caused by events other than collisions. It’s often paired with collision coverage but serves a different purpose.

Here are some key details about auto comprehensive insurance:

  1. Coverage Scope: Comprehensive insurance covers damages to your vehicle resulting from a variety of non-collision events, such as:
    • Theft or vandalism.
    • Natural disasters like floods, earthquakes, hurricanes, tornadoes, or wildfires.
    • Fire or explosions.
    • Falling objects (like a tree branch)
    • Damage from hitting an animal, commonly a deer.
    • Civil disturbances, such as riots.
    • Broken or shattered windows and windshields.
  2. Deductible: Just like collision coverage, comprehensive insurance typically comes with a deductible. You’ll pay this amount out of pocket before your insurance covers the remaining costs. If the damage is less than your deductible, you’ll pay for all of it.
  3. Not Mandatory, But Often Advised: While comprehensive coverage is not a legal requirement in most U.S. states, it may be required by lenders or leasing companies to protect their financial interest in the vehicle. It’s also recommended for drivers who want to ensure their investment in their vehicle is protected from a wide range of potential damages.
  4. Total Loss: If your vehicle is deemed a “total loss” from a covered event (e.g., if it’s stolen and not recovered), comprehensive insurance will pay out the actual cash value (ACV) of your vehicle before the event, minus your deductible.
  5. Premium Considerations: The cost of comprehensive coverage can depend on various factors, including the value of your vehicle, where you live (certain areas might have higher risks of theft or natural disasters), and the deductible amount you choose.
  6. Difference from Collision Insurance: Comprehensive insurance is distinct from collision coverage. While collision covers your vehicle’s damages resulting from an accident with another car or object, comprehensive covers non-collision damages from the events listed above.

Agent Tips-

  • When deciding on comprehensive coverage, it’s essential to consider the age and value of your vehicle, where you live, and your personal comfort level with risk. For example, if you live in an area prone to severe weather or have a higher risk of vehicle theft, comprehensive insurance might be especially valuable.


Uninsured/Underinsured Motorist (UM/UIM) coverage is a component of an auto insurance policy that provides protection to the policyholder in the event they are involved in an accident with a motorist who either:

Here’s a breakdown of how UM/UIM coverage works:

  1. Uninsured Motorist (UM) Has no auto insurance at all.
  2. Underinsured Motorist (UIM): Has insurance, but their policy limits are insufficient to cover the full extent of the damages incurred.
  3. Bodily Injury (UM/UIM-BI) If you or your passengers are injured in an accident caused by an uninsured or underinsured driver, this coverage can help pay for medical expenses, lost wages, and pain and suffering. The specifics of what’s covered can vary depending on state regulations and the terms of the policy.
  4. Property Damage (UM/UIM-PD) This coverage can help pay for repairs to your vehicle if it’s damaged in an accident caused by an uninsured or underinsured driver. Some states may require a deductible to be paid for this type of claim. Note that not every state offers or mandates UM/UIM-PD.
  5. Premium Protection Against Uninsured Drivers: Even though auto insurance is required by law in most states, there are still many drivers on the road without any coverage. UM helps protect you financially if you’re in an accident with one of these drivers.
  6. Bridge the Gap with Underinsured Drivers: If you’re in an accident with someone who has insurance, but their liability limits are too low to cover all your expenses, UIM can help cover the difference.
  7. Hit-and-Run Accidents In many cases, UM coverage can help pay for damages and injuries resulting from a hit-and-run accident, where the at-fault driver flees the scene and cannot be identified.

Agent Tips-

  • The specifics of UM/UIM coverage, including whether it’s mandatory or optional, the coverage limits, and other details, vary by state. If you’re considering adding or modifying this coverage, it’s advisable to consult with an insurance agent or representative to understand the specifics for your location and your particular situation.

Medical Payment

Medical Payments (often referred to as “MedPay”) coverage is an optional component of an auto insurance policy designed to pay for immediate and necessary medical expenses for you and your passengers following a car accident, regardless of who is at fault. This coverage is available in most states but can vary in terms of its specifics and limits.

Here’s what you need to know about MedPay:

  1. Coverage Scope: MedPay can cover a variety of costs, including:
    • Hospital bills
    • Surgery
    • X-rays
    • Ambulance fees
    • Funeral expenses
    • Professional nursing services
    • Dental care (related to the accident)
  2. Fault Irrelevant: Unlike liability coverage, which pays out when you’re at fault in an accident, MedPay will cover medical expenses irrespective of who caused the accident.
  3. Coverage Limit: MedPay has a coverage limit, which you choose when you purchase or modify your policy. This limit is the maximum amount the insurance company will pay out for each covered incident. Common limits might range from $1,000 to $25,000 or more, depending on the policy and provider.
  4. Overlap with Health Insurance: If you have health insurance, there can be overlap between what’s covered under MedPay and your health insurance policy. However, MedPay can be beneficial because it might cover certain out-of-pocket costs that health insurance doesn’t, like deductibles. It’s also useful for passengers who might not have health insurance.
  5. Overlap with Personal Injury Protection (PIP): Some states offer or require Personal Injury Protection (PIP) as part of auto insurance. PIP is similar to MedPay but usually provides broader coverage, including compensation for lost wages and essential services. If you’re in a state with PIP and also have MedPay, there might be overlap between the two. It’s essential to understand the specifics of each to avoid redundancy.
  6. No Subrogation: In many states, your auto insurer cannot seek subrogation (i.e., go after the at-fault party’s insurer) to recover MedPay payouts. This is a distinction from health insurance, which often does have the right to subrogation.
  7. Premium Impact: Adding MedPay to your policy will likely increase your premium, but the cost can be relatively low, especially compared to the potential benefit it offers in the event of an accident.

Agent Tips-

  • If you’re considering adding MedPay to your auto insurance policy, consult with an insurance representative or agent to understand how it would work in conjunction with any other coverage you have and to determine the appropriate coverage limits for your situation.

Towing Insurance

Towing coverage, often referred to as “Roadside Assistance” or “Emergency Road Service” in the context of auto insurance, is an optional add-on that provides assistance in situations where your vehicle becomes inoperable or encounters problems while on the road. It’s designed to help with the cost of towing your car to a repair facility and, in some cases, can also include other types of assistance.

Here’s what towing coverage typically includes:

  1. Towing: If your car breaks down or is in an accident and can’t be driven, this coverage can help pay for the cost of towing it to a repair shop or other location.
  2. Flat Tire Changes: If you have a flat tire, this coverage can pay for the cost of someone coming out to change it using your vehicle’s spare.
  3. Jump-Starts If your battery dies, this coverage can pay for the cost of someone coming out to give you a jump-start.
  4. Lockout Service: If you accidentally lock your keys in your car, this coverage can help pay for a locksmith to come and unlock your vehicle.
  5. Fuel Delivery: If you run out of gas, this coverage can help pay for someone to bring you a small amount of fuel to get you to the nearest gas station.
  6. Winching/Extraction: If your car gets stuck (e.g., in a ditch or snow), this coverage can help pay for the cost of extracting it, as long as it’s accessible from a public road.

Things to consider:

  • Coverage Limits: Towing and roadside assistance typically have limits on how much they’ll cover for each service or event. For example, the policy might cover towing up to a certain number of miles or up to a specific dollar amount.
  • Usage Limits: Some policies might have restrictions on how many times you can use the coverage within a given policy term.
  • Deductible: Depending on your policy, there might or might not be a deductible associated with towing and roadside assistance. If there’s a deductible, you’ll need to pay that amount out-of-pocket before the insurance coverage kicks in.
  • Impact on Premium: Adding towing and roadside assistance to your policy will likely increase your premium, though typically not by a significant amount.
  • Third-party Providers: Some insurance companies partner with third-party providers (like AAA) to offer these services to their policyholders.

Agent Tips-

  • If you’re considering adding towing coverage to your auto insurance, it’s a good idea to review the terms carefully and discuss them with an insurance agent to ensure you understand the scope and limits of the coverage.

Rental Reimbursement

Rental reimbursement, sometimes referred to as “rental car coverage” or “transportation expense coverage,” is an optional addition to an auto insurance policy. It provides coverage for the cost of a rental car while your vehicle is being repaired as a result of a covered insurance claim. This means if your car is involved in an accident and needs repairs, or if it gets stolen, this coverage can help you maintain mobility by covering or mitigating the costs of a temporary replacement vehicle.

Here’s what you need to know about rental reimbursement:

  1. Not Automatic: Rental reimbursement is not automatically included in most standard auto insurance policies. You typically need to add it separately, often for an additional premium.
  2. Daily Limits and Total Limits: The coverage often comes with a daily limit and a maximum total payout. For instance, your policy might cover $30 per day for a rental car, up to a total of $900. This would mean that if your car is in the shop for 10 days, you’d be covered for the rental car up to $300 ($30 x 10 days). If repairs take longer than 30 days, the insurance would max out at the $900 limit in this example.
  3. Type of Vehicle: The type of rental car you’re entitled to may vary based on the coverage. While some policies might cover the cost of a compact car, others might provide enough reimbursement for a vehicle similar to the one being repaired.
  4. Coverage Trigger: Rental reimbursement coverage typically kicks in only for claims that are covered under your policy. If your car breaks down due to mechanical failure (not resulting from a covered claim), rental reimbursement would not cover the costs of a rental vehicle.
  5. Deductible: Rental reimbursement does not usually have a deductible, but remember that if the need for a rental arises from an accident, your collision or comprehensive coverage might have a deductible that you’d need to pay for the repairs.
  6. Length of Rental: The length of time you can have a rental car while yours is being repaired might be limited, either by a maximum dollar amount or by the number of days.
  7. Separate Arrangement: Even if you have rental reimbursement coverage, you’ll often need to make the arrangements for the rental car yourself. Some insurance companies, however, might have partnerships with specific rental car agencies, which can make the process smoother and potentially provide discounted rates.
  8. Cost: The cost of adding rental reimbursement to your policy is generally quite affordable, especially when weighed against the potential out-of-pocket expense of renting a car without this coverage.

Agent Tips-

  • IIf you frequently rely on your vehicle and don’t have easy access to alternative modes of transportation, rental reimbursement can be a valuable addition to your auto insurance policy. Before deciding, it’s a good idea to discuss the options and associated costs with your insurance agent or representative.