Bodily Injury & Property Damage Liability
Injuries and damage you cause to other people and their vehicles.
Independent Insurance · Est. 1959
Better Auto Coverage Without Overpaying for It
Auto rates have moved sharply, and loyalty rarely gets rewarded. As an independent agency we compare your driver profile across multiple top-rated carriers and show you where the same or better coverage costs less.
Compare coverageReview your current policyShop multiple carriers
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Auto Insurance
What auto insurance covers.
Liability to others, damage to your vehicle, and protection from other drivers.
Collision
Repair or replacement of your vehicle after an accident, regardless of fault.
Comprehensive
Theft, vandalism, glass, fire, flood, and animal strikes.
Uninsured / Underinsured Motorist
Covers you when the at-fault driver has no insurance or not nearly enough.
Medical Payments & PIP
Medical costs for you and your passengers, depending on your state.
Roadside & Rental Reimbursement
Towing, labor, and a rental car while your vehicle is being repaired.
State minimums are rarely enough. A serious injury claim can exceed minimum limits in a single accident. We'll show what higher limits actually cost — it's usually less than people expect.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by drivers across the region.
"Same coverage, materially lower premium, and they raised my liability limits at the same time."
Nicole T.
Auto Client
"Adding our teenager was painless. They shopped it and found a carrier that priced him reasonably."
Brian L.
Home + Auto Client
What an auto review includes.
- Liability limits compared at several levels so you see the real price difference
- Uninsured motorist limits matched to your liability limits
- Collision and comprehensive deductibles priced side by side
- Multi-car, home bundle, safe driver, and telematics discounts applied
- Young and newly licensed driver placement with carriers that price them fairly
- Umbrella eligibility checked so higher liability limits stay affordable
FAQ
Auto insurance questions we hear most.
How much liability coverage should I carry?
Higher than state minimums in almost every case. Medical costs and vehicle values have risen, and 100/300/100 is a common starting point for households with assets to protect.
Should I drop collision on an older car?
Possibly. When the annual collision premium approaches roughly ten percent of the vehicle's value, it often stops making sense. We'll run the numbers on your specific car.
Does my policy cover a rental car?
Usually your liability and physical damage extend to a rental in the U.S., but the details vary. We confirm it before you travel rather than at the counter.
Will adding a teen driver double my premium?
It's a significant increase, but carriers price young drivers very differently. Good student and driver training discounts plus the right carrier can make a large difference.
Are telematics programs worth it?
For low-mileage and consistently safe drivers, frequently yes. Some carriers only offer a discount while others can increase rates — we'll point you to the ones that can't penalize you.
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Compare coverageReview your current policyShop multiple carriers