636.333.1792 info@spectrumstl.com
Car | Motorcycle | ATV | RV | Trailer

Should you be found at fault for an accident causing property damage or injuries to others, your insurance coverage is there to keep you protected. It can also help ease the financial burden of vehicle repairs or medical costs related to an accident.
Automobile Insurance
Your car is one of the most valuable things you own. It takes you where you need to go every single day. At Spectrum, we understand the value of this investment, and we want to help you protect it. Whether you drive a car, ride a motorcycle, take your boat out or even drive cross-country in your RV, we have you covered.

Your auto coverage consists of several types of protection. While state laws mandate certain types of coverage, Spectrum will help you determine the amount you need.

  • Liability Protection (Bodily Injury, Property Damage) | If you are involved in an accident, this is your protection from personally paying for damages to others injured or damaged property.
  • Collision Protection | Collision protection ensures that your own car is covered in the event of an accident. The amount of collision insurance you need varies depending on your vehicle.
  • Comprehensive Protection | Sometimes your car is involved in an event other than an accident, which is where comprehensive protection is essential. This covers you in the event that your car is damaged from hail, hitting an animal, vandalized or even stolen.
  • Medical Protection | Your vehicle isn’t the only thing that needs to be protected in an accident. Medical protection will cover you and your passengers if injured in an accident.
Motorcycle Insurance
Motorcycles come in all shapes and sizes. Chances are, we can protect your ride. Cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters and mopeds are only some of the motorcycle types we insure. Speak with one of our team members to get the best combination of motorcycle insurance coverage, value and price.

All-Terain Vehicle (ATV) Insurance
Most homeowners policies don’t cover your ATV if you ride off your own property. That's why ATV insurance coverage is especially important. Ask a Spectrum agent how you can get special coverage for your ATV, dune buggy, golf cart, snowmobile and more.

Recreational Vehicle (RV) Insurance
Recreational vehicles (or RVs) are used in many different ways by their owners. Spectrum can help you get the right coverage for your RV. Your RV insurance policy can also protect your traveling companions and your valuables when you're on a trip. Whether you’re heading off on a camping trip or simply traveling around the country.

Trailer Insurance
No matter what you’re hauling, Spectrum can help you find the right protection. Your camper, horse trailer or travel trailer deserve to be protected, so call Spectrum to find out how you can save on this specialized policy.