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Let’s face it, our vehicles have become so much more than just transportation. We eat in them, sleep in them, even dress in them. They carry our families, our pets, our friends.

Finding the right kind of auto insurance can be a challenge. And when you discover your car is out of commission, it can be a major hassle. Take advantage of our unrivaled reputation throughout the Cincinnati tri-state area and let us make securing auto insurance hassle-free.

With more than 50 years’ experience serving customers throughout Ohio, Kentucky, and Indiana, you can rest assured that HTT agents will help you determine the best auto policy for you. You’ll need to consider liability coverage, which can extend to bodily injury and/or property damage, and no-fault coverage, which offers protection for you and your passengers if someone is hurt in an accident, regardless of who caused it.

Many drivers also implement additional coverage – such as collision insurance to cover the costs of repairs in an accident (not to exceed the “fair market value” of the vehicle). We’ll help you decide what deductible – the out-of-pocket amount you pay up front – is right for you. If you’ve got a good driving record, you may opt for lower monthly payments, which carry a higher deductible. Or you may be more comfortable paying a bit more each month for the peace of mind that you’ll be able to afford car repairs more easily with a lower deductible.

Comprehensive coverage adds an extra layer of protection that guards against theft, vandalism, or other events that may cause damage to your car. This part of the policy covers damage from bigger issues, like flooding or fire. You’ll pay the deductible and then the policy takes over, covering expenses incurred up to the fair market value of the automobile.

We know that many families have additional needs beyond just auto coverage. Ask our agents about coming up with a plan that covers your other “toys” too – like boats, RVs, or all-terrain vehicles. We’ll customize a plan that fits for your family and your finances.

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