Personal Lines
At Domham Insurance our Personal Lines Department prides itself in providing superior service and expert advice. Homes, autos, collectibles, jewelry, firearms, you can count on the best recommendations and coverage available. Our clients and the buying public can depend on our team of agents to provide reasonable pricing without compromising their exposure to property and liability losses.
Owners & Renters
Auto Insurance
Life & Health
Travel Insurance
Umbrella Policies
Personal Items
Our Policies
What You Get
Standard Coverage
Premium Coverage
Frequently Asked Questions
Frequently Asked Questions
How much does car insurance cost?
Car insurance rates depend on a number of factors. These include:
- Personal details like age, sex, and marital status
- Where you live
- Average annual distance driven
- Your vehicle
- Your credit
- Your coverage amount and type
Is car insurance mandatory?
In most states, some level of car insurance is required. The minimum amount of coverage may just be liability insurance, or it may include uninsured/underinsured motorist or additional medical coverage.
New Hampshire and Virginia do not require that drivers buy auto insurance, but do have minimums in place for drivers who do choose to buy insurance. You can find out how much auto insurance is required in your state here.
When should I buy car insurance?
You should buy auto insurance before you begin driving, as it’s required in most states (see below). Driving without insurance is often illegal and leaves you financially vulnerable.
Does my vehicle affect my car insurance rates?
Yes. The market value of your car and the history of other drivers with the same make and model play a factor in your auto insurance rates. Certain safety features may not automatically qualify you for cheaper car insurance, but they can prevent you from getting into accidents, saving you money indirectly.
What does car insurance cover?
Your car insurance coverage depends on the type of policy you purchase. Different types of car insurance include:
- Bodily injury (BI) and property damage (PD) liability coverage for damaged caused to other people or property.
- Personal injury protection (PIP) to cover medical expenses and other damages.
- Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).
- Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.
How much car insurance do I need?
The first thing you should consider is how much coverage is required by your state. This can be found through your state’s DMV. That’s how much car insurance you have to buy, and should be the floor of your car insurance budget. Beyond that, you should buy as much car insurance coverage as you feel comfortable with and can afford.
You may decide to max out your car insurance budget with available options. UM/UIM is often overlooked but can be crucial in accidents with uninsured drivers and is a relatively inexpensive add-on; comprehensive coverage is usually more costly, but if you live in an area that has a high level of car theft, it might be a more valuable addition to you.
Other Insurances
Business Insurance
Home Isurance
Health Insurance
Our Customers
“I dealt with Tami who helped me with home insurance. She helped me find better pricing and taught me about coverage that I was over insuring for previously. She is now helping me with business coverage. Super professional and actually took an interest in their customer. I will post an update down the line if I purchase business insurance.” Andrew H.
“Went in with my daughter for a quote for insurance for her first car and came out having confidence in her new agent. Thank you for putting us at ease!! Highly recommend!!.” Calleen S.
“Very helpful. Fast. Curious. Very knowledgeable would 100% recommend to anyone.” Cris R.
“Your service was excellent. Many thanks for your kind and efficient service. I did speak to one of the kind and pleasant agent Lisa, she was truly amazing and helpful as she tried every possible way to help me out. Thank you for your help. I have already and will definitely continue to recommend your services to others in the future. Wishing you all a lovely day and weekend.” Richard G.
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