It doesn’t matter if your car or bike is brand new or used, we can customize an insurance policy to meet your specific protection requirements. We will ensure that all applicable insurance discounts are applied, such as the multi-vehicle, safe driving, and good student. Automobile insurance definition: automobile (car) insurance is a contract between you and your insurance company. By applying for coverage, you’re agreeing to pay an auto insurance premium to the insurance company. In return, that company agrees to pay covered costs associated with an auto accident once the deductible has been met under the policy terms. We have clients that reside in Carson City, Gardnerville, Genoa, Incline Village, Reno, Sparks, Stead, Spanish Springs, and Washoe Valley.