INSURANCE FOR AUTOS & MORE

At Ashley Insurance Agency, our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.  Scroll down to see options for autos & more.

We have great coverage options for everything from your reliable every-day vehicle to your family road trippin' RV to your classic '56 Chevy.  If you have a teen driver that is about to take the wheel, we'll help you get great coverage as well.  At the Ashley Insurance Agency, we are ready to help give you peace of mind on all of your modes of transportation.

AUTO INSURANCE
MOTORCYCLE INSURANCE
INSURANCE FOR RVs, ATVs, etc.
CLASSIC CAR INSURANCE
BOAT INSURANCE
INSURANCE FOR TEEN DRIVERS

Ashley Insurance Agency provides the following types of personal insurance protection:

ATV Insurance

 

All-Terrain Vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

 

 

Auto Insurance

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

 

Boat & Marine Insurance

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

 

Collector Car Insurance

You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost.

Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don’t know how to treat your specialty or collector car.

Classic cars are usually considered antique vehicles (15 – 20 years old or older). Collector cars can also include:

  • Exotic autos new and old

  • Muscle cars

  • Sports cars of all ages

  • Rare or desirable


We understand what collector car owners want and need to protect their investment.

Motor Home / RV Insurance

 

As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection.

It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Whether your Motor Home / RV Insurance needs are travel trailer, fifth wheel, camper, or Class A Motor Home Insurance, Ashley Insurance Agency offers you a variety of motor home insurance coverages.

Motorcycle Insurance

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Ashley Insurance Agency, we have a variety of motorcycle policy options to meet your needs.

Personal Umbrella Insurance

You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

Personal Watercraft Insurance

Personal watercraft, such as jet skis and wave runners, are often our customer’s first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys.

If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.

Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. At Ashley Insurance Agency, we have policies that are geared specifically for your personal watercraft.

Snowmobile Insurance

Because people use their snowmobiles in so many different ways, it can be very challenging to find good, low cost insurance. From a classic Ski-Doo to the latest Yamaha Apex model, from touring sleds to back country machines, every snowmobile and every rider has a different insurance need.

At Ashley Insurance Agency, we can insure your home and cars, and we take care of your snowmobiles, too. Affordable snowmobile insurance coverage that helps protect you, your passenger, and your snowmobile.

Travel Insurance

When you travel abroad, one of the most important financial considerations is how to protect you and your family’s health. Without proper coverage, an illness or injury abroad can turn into a financial disaster.

Whether you are a corporate traveler, an international student studying abroad, a family on vacation or reunion, or an individual traveling abroad for work, pleasure, or education, don’t let your trip be ruined by an accident or unexpected medical emergency. Traditional sources of U.S. private health insurance will not meet your needs.

Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the U.S. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside.

It's not just about having coverage... it's about having the right coverage from an agency that cares.  Click here to start a free quote or give us a call today at (304) 927-2175.

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CELEBRATING 35 YEARS OF EXPERIENCE

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Ashley Insurance Agency

223 Main Street

P.O. Box 823

Spencer, WV 25276

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Bob Ashley Insurance provides auto/car insurance, home insurance, business/commercial insurance, and life insurance to all of West Virginia, including Spencer, Ripley, Arnoldsburg, Clay, Amma, Walton, Elizabeth, Clendenin, Grantsville, Wallback, Big Chimney, Glenville, and Newton.

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