Auto Insurance That Actually Fits the Way You Drive
At Twin Peaks Insurance, we know auto insurance isn’t one-size-fits-all—especially when you drive across state lines, tow toys, or want something better than a cookie-cutter policy. Whether you’re daily commuting, road-tripping with your RV in tow, or covering your collector car with extra TLC, we help you find coverage that fits your lifestyle.
Licensed in over 40 states, we specialize in building auto insurance packages that are anything but standard. We work with top national carriers like Progressive, Foremost, Geico, Safeco, National General and more to bring you options you can trust—no matter where the road takes you.
We help protect:
Personal-use cars and trucks
Tow vehicles for RVs, boats, and trailers
High-value and exotic cars
Classic and collector autos
Motorcycles and off-road vehicles (ask about bundling!)
Street Legal SXS
Street Legal Golf Carts
Important Auto Insurance Coverages
Coverage options include:
✔️ Comprehensive & Collision
✔️ Liability
✔️ Roadside Assistance
✔️ Rental Reimbursement
✔️ Agreed Value for Classic Cars
✔️ Bundle Discounts (Auto + RV, Trailer, Motorcycle & More)
Collision Coverage
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage
Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
Why Twin Peaks?
We’re not just a local agency—we’re a specialty insurance partner with decades of experience helping people protect what moves them. With us, you’ll always get real advice from licensed agents who understand recreational lifestyles, custom setups, and multi-state coverage.
We do all the heavy lifting for you!
Ready to hit the road with confidence?
It only takes a minute to get started. A licensed insurance specialist will review your info and find the best options based on how you drive.