Whitehill Insurance Agency/Farmers Union Insurance
Todd Whitehill

901 West 1st. St. #1 P.O. Box 531
McPherson, KS 67460

Email Me
Phone: (620) 241-1918
Cell Phone: (620) 245-1094
Fax: (620) 241-1946

Office Hours:
9 - 5 M-F
Request a Quote
Request a Quote
By Email or call us
(620) 241-1918
(620) 241-1918

Car Insurance Quotes

 

Our automobile insurance lines of coverage include:

  • Primary Family Vehicles
  • Young Driver Vehicles
  • Farm Vehicles
  • Motorcycles
  • Watercraft
  • Recreation Vehicles

While QBE Farmers Union Insurance is our preferred company, and usually has the best rates, we do offer coverage through several other companies.

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.
NOTE - Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individuals vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.

We do our best to provide you with coverage recommendations based on your personal needs. This ensures that you have best possible coverage in the event of a claim. If you have questions regarding your current coverage, just contact us and we will be happy to provide a detailed insurance review.

If you should have a claim, our exclusive Client Care Claims Service™ gives you the peace of mind that you want and should expect from your insurance company.

Be sure to ask us about discounts for multiple policies including: auto insurance, homeowners insurance, and farm and ranch insurance. Ask us about our complete Protection Profile™.

We are proactive in taking care of your car insurance needs and provide courtesy calls when events occur with your coverage to make sure you do not encounter surprises. We create relationships with our clients to make sure that if they need something, we know who they are and we get it done for them.

Below are some frequently asked questions relative to Auto insurance:

Do I really need auto insurance?

Auto insurance is designed to protect you financially. If you are responsible for injuries, you may be held liable for the injured person's vehicle repairs, medical expenses, therapy and loss of wages.

All states require you to be financially responsible when driving a car. Depending on the state, you may be legally required to have auto insurance. 

Who is covered under my auto policy?

It depends on your policy. Often, your spouse, children or others with permission to drive your vehicle are covered. Be sure to check with us for your particular policy. 

What factors may affect my auto insurance rates?  

  • Your driving record
  • Where you're vehicle is garaged
  • The make, model and year of your vehicle
  • Your age and /or gender
  • Youthful operators
  • How you use your vehicle / daily miles to work 

How can I reduce my rates? 

  • Increase your deductible.
  • Drive safely.
  • Meet the requirements for one of the many discounts: multiple auto, multiple line, good student 

What factors may affect my auto insurance rates? 

  • Your driving record
  • Where you're vehicle is garaged
  • The make, model and year of your vehicle
  • Your age and /or gender
  • Youthful operators
  • How you use your vehicle / daily miles to work

We offer auto insurance coverage through the following companies:

  • QBE Farmers Union Insurance Auto Insurance
  • Progressive Auto Insurance
  • Foremost Auto Insurance
  • DairyLand Auto Insurance

To have us provide a quote for any of these services, please call us directly at (620) 241-1918 or you can use our online quote request form and we will get right back with you.

Whitehill Insurance Agency/Farmers Union Insurance
901 West 1st. St. #1 P.O. Box 531
McPherson, Kansas 67460
Phone: (620) 241-1918
Cell: (620) 245-1094
Fax: (620) 241-1946
Email: twhitehill@nfuic.kscoxmail.com
Website – www.FarmersUnionInsurance.com/ToddWhitehill
 

 

 

 

 

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