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Personal Auto Insurance

Auto Insurance

At Offenhauser we've been insuring autos since they replaced the horse and buggy! Today our team of "Robin" <rstearns [at] fwoins [dot] com>,  "Linda" <lhenderson [at] fwoins [dot] com>, and "Cristy" <crogers [at] fwoins [dot] com>, with more than 50 years of combined experience, have the know-how to get you all the discounts you deserve, from good credit to good student. Call or e mail them, or fill out the Request a Quote form.

The right auto insurance policy from Offenhauser can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. And Offenhauser's Priority Claims Service is here to advocate for you should a claim problem arise. .


Robin Stearns

Robin Stearns

Personal Lines Account Representative


"Email me" <rstearns [at] fwoins [dot] com>


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Linda D. Henderson

Linda D. Henderson, ACSR

Personal Lines Account Representative


"Email me" <lhenderson [at] fwoins [dot] com>


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Our team of insurance professionals understands the car insurance needs of our customers. We'll help you determine the best coverage for you.

Auto insurance requirements vary by state. In some states, to drive you must carry:

  • Liability coverage to pay for losses you cause others
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault

Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage on your policy will cost.

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.

When you place your auto and home insurance together, many insurance companies offer a substantial savings. Ask us how much you can save.

Talk to us today to find out how to get the best price and value on car insurance for you.