So you are shopping for car insurance, then you have come to the right place. At Covenant, we strive to keep you and your family covered with great auto insurance that's also a great value. We understand that insuring your vehicle is more than just a basic requirement. It is a crucial and legal necessity in our world.

With Covenant, we know that auto insurance needs to be more than just basic coverage. It should also be convenient, as well as personalized service that goes far beyond “basic”. Yes, your insurance should cover injuries and damages caused by an accident, if you are legally responsible. But we go further, providing the accessibility, convenience, and options you want, with the personal touch of your own neighborhood agent.

Coverage Options to Lessen Your Worries and Concerns

Covenant believes car insurance should ease your concerns, not cause them. After all, what good is auto insurance if you have anxiety about using it? Feeling confident that you're covered today can help you stay ahead of the unexpected. It shouldn’t matter where the damage comes from, a rogue shopping cart or something more serious, like emergency medical costs; it’s a good feeling to know that you are covered.

Every auto insurance policy that we write begins with valuable protection against costs connected with injuries to others as well as damage to their property (if you are liable) for a car accident. From there, we’ll propose options to cover your cost of damage from collision and non-collision related incidents. When you meet with us, we’ll work with you to create a personalized quote that will enable you to choose the coverage types and amounts that make the most sense to you.

Covenant will customize a policy for you and your family that will ensure you have all bases covered including:

New Car Replacement

What is New Car Replacement?

Buying any new car is a huge investment. Problem is your new car starts depreciating the second you drive it off the lot. In the event that your car is “totaled” a lot insurance policies will give you less than what you paid for because of depreciation.
If your totaled car is under one year old and has less than 15,000 miles, New Car Replacement is a coverage option that can be added to your policy to help you replace your car quickly.

Accident Forgiveness

Do I Need Accident Forgiveness?

Accident Forgiveness is also a policy benefit where the insurance company you sign with won’t raise your rate due to your first car accident if you’ve been accident-free and violation-free for 5 years.

What are the Benefits of Accident Forgiveness?
• No increase to your auto insurance premium due to your first accident.
• Long-term savings since your premium has not increased.

Medical Payments Coverage

What is medical payments coverage?

If you are hurt in an accident and taken to the hospital, Medical Payments Coverage takes care of your initial medical expenses associated to the accident, regardless of who is at fault. Any passengers in your car would also covered. What’s more any family members living with you that are injured as pedestrians or when riding in another person's car are also covered! This coverage is subject to your policy terms and conditions.

What Does Medical Payments Cover?
• Ambulance transportation to the hospital.
• Emergency room care.
• The initial hospital stay.
• Other reasonable medical and funeral expenses resulting from the accident.

How Does Medical Payment Coverage Work?

If you were in an accident and had to spend two nights in the hospital recovering; and the expense of your stay totals $5,500 but your coverage limit is $1,000, you would be responsible for paying the sum that remains. Medical Payments Coverage is not intended as a substitute for health insurance. The cost for this additional coverage is typically low. Keep in mind, this is only to help you cover your immediate medical expenses. It is up to you and/or your health insurance to cover expenses above your coverage limit.


Rental Car Compensation

What is Rental Car Compensation Coverage?

Rental Car Compensation is also an optional coverage that can be added to your auto insurance policy. When you buy this coverage we, you will be provided with a rental car for as long as it takes to complete the repairs to your car.

The Benefits of Adding Rental Car Compensation Coverage
• You’re not left without a car after an accident.
• No out-of-pocket rental car fees to pay.
• Driving the rental car until your regular vehicle is ready to be picked up.

Cut Your Premium, Not Your Savings.

Covenant agents will help you build a car insurance policy that gives you superior protection at a great price. With personal attention and service, you'll have the information you need to choose the car insurance coverage that makes the most sense for you.


Contact us today, call 706-937-3276 or send us a message and we’ll reach out to you!