Providing Home, Auto, Business & Life Insurance.

There are many advantages of working with an Independent Insurance Agency over going with a captive company. At Cottle Insurance, we represent many different insurance companies that offer a wide variety of coverage options and price points, which means there is no need for you to accept just one quote from one company. You will also not need to fill out many different online applications to get your own quote comparisons. With over 30 years of connections and industry leading knowledge of the market, Cottle Insurance can find a better value for your insurance dollar than you might find searching on your own; we do the shopping, you do the saving.

Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.

Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

There are a number of factors can affect the cost of your automobile insurance – some of which you can control and some that are beyond your control. Whatever your situation, Cottle Insurance will always find the best rates and coverage for you.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you.

Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.

It is often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your vehicle may be considered “totaled” and you will receive a payout for the vehicle's market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage. Cottle Insurance will always help you make the best decision that fits your unique situation.

There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is to reach out to Cottle Insurance to get a comprehensive review of your policy and needs.

It is not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When we run the numbers for your home's coverage, we always ensure to make sure each quote is offering the same coverage, so you know you're getting the best price.

Another way to lower the cost of your homeowners insurance is to look for any discounts that you may qualify for. Cottle Insurance will always be on the lookout for any discounts that you may qualify for. For example, many companies will offer a discount when you place both your automobile and homeowners insurance with them. Other times, companies offer discounts if there are deadbolt exterior locks on all your doors, or if your home has a security system.

We will be sure to ask the proper questions to uncover any discounts you may be eligible for.

Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, you are entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, you are reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Cottle Insurance will always clarify and help you understand what your policy includes and how your coverage works.