Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. 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.

Blue mustang in a garage

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!

Charles Garland & Harris can insure your

  • Motorcycle
  • Classic Car
  • Motor Home & RV
  • Boat & Jet Ski
  • ATV

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

  • Liability coverage – to pay for losses you cause others, or:
  • 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, or
  • Both liability and no-fault coverage.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle.

Modern Insurance for Your Classic Car

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so we will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

  • Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.  This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
  • Low Rates: Why pay full-time insurance when you driver your collector car only part-time.
  • Coverage Options: Not all collector cars are the same, so Charles Garland & Harris can work with you to determine the right amount of coverage to meet your specific needs.
  • Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
  • Roadside Assistance:  Whether your down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with us to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.

To help guide you through purchasing auto insurance call Rhonda Jackson or Karen Lamm-Brock at Charles Garland & Harris

Rhonda Jackson
Personal Lines
Rhonda@cgh-insurance.com
Voice (575) 437-6910 x101
Fax (575) 437-8187

Karen Lamm-Brock
Personal Insurance Customer Service Representative
Karen@cgh-insurance.com
Office (575) 437-6910 x102

3310 N. White Sands Blvd
Alamogordo, NM 88310
Monday- Friday 9am-5pm

We have everything you need all under one roof, the Red Roof.