Auto Insurance

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What Our Customers Are Saying


Protecting your transportation is a priority.

Your vehicle is your transportation to all the places you need to go, including work and home after a long day. Cole & Durham will provide you with the proper auto insurance policies by listening to your specific needs.

There are three primary types of auto insurance coverage:


Covers the costs associated with injuries and property damage for which you are responsible if you cause an accident.


Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.


Covers damage to your vehicle from causes such as auto theft and weather damage.

Different drivers have different coverage needs. Driving long or short distances, for business or simple transportation, your Cole & Durham agent can help you understand your state’s auto coverage requirements and customize a plan that best fits your needs.

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Motorcycle Insurance

Kentucky requires motorcyclists to have liability insurance, which pays (up to your set limits) for damages or injuries you cause in the event of an accident, as well as your legal defense, if needed. Because these costs can easily reach hundreds of thousands of dollars if severe injuries, property damage or law suits are incurred, a good liability policy is highly recommended. The open road is calling.

No matter where it takes you, your Cole & Durham agent can help you get prepared with the right motorcycle coverage.

Boat Insurance

The exact boat coverage you need depends on multiple factors. Small boat insurance is very different from yacht insurance, for example. However, for most types of boats, the three kinds of coverage in a basic boat insurance policy include:

  • Bodily injury liability for expenses related to the injury of another person
  • Property damage liability for expenses related to harming another person’s property
  • Physical damage for damage to your own property, including your boat and trailer.

You also may choose to add additional types of coverage to your boat insurance policy in order to fully protect yourself and your property, including coverage for tools, life preservers, medical expenses, and uninsured/underinsured boaters. Your Cole & Durham agent can help you choose the coverage that best fits your lifestyle.

Recreational Vehicles (RV)

RV insurance covers the cost of repairing or replacing your vehicle after an accident. Liability coverage is required in most states and covers property damage, medical costs and legal fees if you cause an accident. Several states also require uninsured/underinsured motorists coverage. This coverage insures you in the event that you are hit by a driver who does not have insurance, or does not have enough to pay for your damages.

Whether you’re a seasonal motorhome traveller or a full-time RV’er, your Cole & Durham agent can customize a coverage plan for all your road tripping needs.

Frequently Asked Questions

  • What factors can affect my auto insurance rate?

    Your insurance costs can increase or decrease depending on your personal situation and assessed level of risk. Factors that may affect your rates include marital status, age, gender, driving history, use of vehicle, and more.

  • Is my vehicle covered against an "Act of God"?

    Yes, if Comprehensive coverage is included in your plan.