Our Mission

Gary Kincaid Insurance mission is to insure our customers’ futures by understanding and solving their unique problems and delivering a wide-range of insurance products and solutions to exceed their unique insurance needs. Gary Kincaid Insurance wants to provide not only highly competitive solutions, but also the right solutions.

Automotive Insurance

Making sure you have the right amount of coverage is where Gary Kincaid Insurance can help. We want to ensure that you, your vehicle, and your passengers are properly covered. We provide competitive rates from multiple insurance companies with convenient payment terms.


Servicing our clients and educating them is our primary concern. We can provide quotes for your vehicle, residence, umbrella, and any other coverage you may need. No matter where you live, if you drive an automobile, you need auto insurance coverage. Online auto insurance quotes and free car insurance estimates are easily available from Gary Kincaid Insurance.

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Auto Insurance Coverage Options

General auto insurance from Gary Kincaid Insurance is designed to financially cover potential motor vehicle related damages, loss or injuries.

Liability Coverage

Liability coverage (often simply called "liability") protects you from damage you do to others or to property in an accident.

Consider this: in a serious accident, your actual financial responsibility could far outstrip your auto insurance coverage liability limits - leaving you on the hook for hundreds of thousands of dollars. That's why it often makes sense to purchase the highest auto liability insurance coverage limits you can comfortably afford. While this coverage makes up a significant part of your total premium, it's often money well spent if you're ever in a serious accident.

Vehicle Protection - Collision and Comprehensive

Collision coverage (sometimes called "auto collision insurance") is the part of your auto insurance that typically pays for damages to your auto from accidents involving other cars or objects.

Since accidents are the most common kind of insurance claim, car insurance collision coverage is usually the priciest portion of your total premium cost. But as we mentioned above, an older car that isn't worth much might not even need this coverage. If you're still worried about paying too much every month, try increasing your deductible.

Additional Car Insurance Coverage Options

Personal Injury Protection coverage (also known as PIP), not only covers reasonable and necessary medical and hospital expenses when an insured is involved in a covered loss, it can also help you with other expenses while you're healing.

As a general rule, you should consider purchasing as high a limit as you can afford so that you have additional coverage beyond what your health insurance offers.

Auto Policy Discounts

Your Choice Auto® Insurance options

Every insurance company talks about discounts. Here's how Gary Kincaid Insurance's different. We believe in cutting premiums, not coverage.

  1. Safe Drivers Discount: Safe drivers cost everybody less. And at Gary Kincaid Insurance, they pay a lot less. Safe drivers can save 45% or more on their car insurance.
  2. Early Signing Discount: You don't have to wait until your policy expires to switch auto insurance companies. Switch today and get up to another 10% discount on auto insurance. We can even do the switching for you.
  3. Good Student Discount: Single full-time students under 25 can save up to 20% just by getting good grades.

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