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Automobile Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 
 
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

An auto insurance typically contains six separate and distinct parts:
  1. Bodily Injury Liability - for injuries the policyholder causes to someone else.
  2. Property Damage Liability - for damage the policyholder caused to someone else's property.
  3. Medical Payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  4. Collision - for damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc...
  5. Comprehensive - for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks typically include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  6. Uninsured Motorist - for treatment of policyholder's injuries as a result of a collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.



With Permission Insurance Information Institute, Inc.  ALL RIGHTS RESERVED 

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What Our Customers Are Saying... 

We recently switched our insurance policies based on our previous positive experience with Bruce Southwell. When we understood that we would save over $500 a year and receive more complete coverage we moved our insurance to Bruce and Safeco and have been pleased with the results.

P.M.

We recently changed our insurance coverage to the Bruce Southwell Insurance Agency . Mr. Southwell is an experienced and knowledgeable agent who is happy to fully answer questions about insurance. His expertise was valuable in putting together an insurance package covering our specific needs. The result was that compared to our previous policy we now have not only better coverage but also at significantly less cost.

Jim K.

Ihave known Bruce for approx. 28 years. Ihave relied on his advice and knowledge in the span of those years. We continued to move with him to his new venture as well. This saved us approximately $1000 a year on insurance premiums WITH better/more coverage. He did all the footwork in transferring our policies so the change was easy and transparent for the most part. He is responsive to our questions and his customer service skills are excellent.

Cindy G.

Bruce Southwell had been our insurance agent for thirty seven years and when he informed us that he could offer us better coverage at a lower cost by switching companies we jumped at the chance. The change was easy and we are now enjoying better coverage on our home and cars as well as a savings of over $600 a year.

John P.


My wife and I have been with Bruce for 25 years,maybe a little longer. Bruce has been there for us and helped us through these times and understood our needs. I'm very glad to know him and have him represent us,this man is someone you can trust. Thank you Bruce Chuck S.

My husband and Ihave been insured with our agent, Bruce Southwell, for about 30
years. Bruce has always been an outstanding agent for us. We recently left him for a year or so due to the rising cost of our previous insurance. However, since he has started Southwell Insurance Agency we returned to him, preferring to be with someone we have known and worked with for a long time, and he also was able to save us over $300 annually on our auto insurance. We would highly recommend Bruce for your insurance needs. He is a great guy!

Judy D.

Bruce Southwell has been my insurance agent for over 25 years. This long track record of friendly, professional service is why he is still my insurance agent, and now, with his independent agency, is also saving me money on my home and auto insurance premiums.Iswitched insurance companies; Idid not switch insurance agents.

John R. Omaha, NE

I want to thank you for your help in switching my insurance. I had been looking at different options as my insurance was increasing at my previou s company. You
had been my agent for 18 years and had always served me well. The opportunity to have you as my agent again and to get policies tailored to my need s was ju st what I needed . The policie saved me approximately $200 per year and are better than what I had.

You made the whole process seamless and the transfer went without a hitch.

Thank you again and have a wonderful 2016.

Geri E.

My wife and I have been with Bruce for 25 years, maybe a little longer. Bruce has been there for us and helped us through these tim es and und erstood our need s. I'm very glad to know him and have him represent us this man is someone you can trust. Thank you Bruce

Chuck S.


The reason we switched from the former company, is because Ifelt like they were not working in our best interest .After you left, the new representative was less than diligent with our account .After speaking with you, we made the decision to switch. It saved us money, and we are back with the agent that has taken care of our insurance needs for about 20 years.    Dan J.


"I made the switch to the Southwell Insurance Agency after having been with my prior insurance company for years. It seemed like Iwas taken for granted and based on what Iwas seeing in the industry, my rates just didn't seem to be competitive. I had worked with Bruce Southwell years ago, and when Ifound out he had his own agency, Iknew Ineeded to inquire about my coverage needs! Bruce was very helpful in getting my rates reduced on my homeowners, auto, and even an umbrella policy! Additionally, Bruce made recommendations on provisions of my policies
that Icould adjust to obtain even greater savings. I'm very pleased with the quick responses and great pricing that Iget by working with Bruce Southwell."

Phil L.

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Nebraska #64109
Iowa #00064109
Missouri #8344680
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Southwell Insurance Agency, LLC
18021 Oak St., Suite B
Omaha, NE 68130
Phone: (402) 493-6940
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