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.


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!

McElroy, Wharton & Boldrick, Inc. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!


How much auto insurance is right for you?

Based in Springfield, KY, our team understands the auto insurance needs of our customers.


In Kentucky, to drive you must carry Liability coverage, to pay for losses you cause others. Liability coverage is meant to provide protection to only the victim of an accident, if it is the policyholder who is at fault. We recommend that our policyholders choose limits that are higher than what is required by the state to avoid the possibility of out of pocket expenses that might occur due to a large claim.


To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:


Collision Insurance

Collision insurance coverage pays for damage to your vehicle caused by an accident that is our fault. Collision will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.


Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.



Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.