Peace of Mind

Federal statistics show that approximately 13 automobile accidents occur somewhere in the United States every 60 seconds. Your chances of being involved in an accident grow each year with more motorists on the road, new retail and residential developments attracting more traffic and aging infrastructure that generates new construction on roads, bridges and overpasses.

Accidents vary widely with respect to physical injury and damage to vehicles, but they share one thing in common: They are all a major inconvenience that can distract you from your day-to-day responsibilities and cause emotional and financial strain. With our custom insurance solutions, Sumner & Toner can help relieve this stress and bring peace of mind when accidents occur.

We realize that personal automobile insurance policies are not the same for every driver or every household. Whether you drive a high-value car or a light truck, an RV, motorcycle, or boat, we’ll custom fit your coverage to your situation. That includes helping you to determining the extent of property and liability coverage and appropriate deductibles on each vehicle.

Our insurance specialists will evaluate your requirements and provide an choice of insurance plans through our extensive network of reputable insurers.

Protect Yourself And Your Family

Helps protect you for damages to others if you’re at fault in a covered accident


Provides payment for your reasonable and necessary medical treatment for bodily injury caused
by a covered accident


Protects you for covered damage caused by drivers who don’t have auto insurance or don’t
carry enough auto insurance


Protects you against suits if the insured is liable for actions or damages you may have caused

Horizontal crop of family with golden retriever standing near auto on beach
Protect Your Car

Helps pay to repair or replace your insured car after a covered accident


Helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm, flood or similar event


Contact Us Now

“Everything we do is with your best interests in mind – the best coverage at the lowest costs.”

— Jack Toner

The insurance professionals at Sumner & Toner want you to have the coverage you need. At the same time, we are value conscious and will look for ways to save you money in obtaining needed coverage.

We start by reviewing coverage limits on both compulsory and optional coverage—what’s legally required and what you might want to have beyond the requirements. We will evaluate the risk you are willing and able to assume with respect to deductibles on your policy. The higher the deductible, the lower the premium.

Does your policy offer discounts for multiple cars or low mileage driven? We’ll examine the savings that might be available. We’ll also look at bundling your policies—possibly combining automobile and homeowners coverage to produce a lower premium.