Many of the insurance companies we work with have applied to the Division of Insurance (DOI) to provide some level of premium credit/refund on most personal auto insurance policies due to reduced vehicle use during the COVID-19 stay-at-home timeframe. Each company is handling the situation slightly differently and has varied guidelines. Policy holders should receive more details from directly from their insurance carrier once credits/rebates are approved by the DOI.

Also, most insurance companies have communicated that they recognize some insureds are facing financial difficulties. The companies are willing to provide some flexibility on premium payment terms. If you are having financial challenges and need assistance regarding payments or have questions about premium credits, you may contact the insurance company directly and/or contact a Murphy Insurance Agency representative.

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Common Auto Insurance Terms

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Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.
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Vehicle Storage Tips During Winter

As winter approaches, it’s time to think about safely storing your recreational vehicle to avoid damage from the harsh weather and roads. Utilize the following guidance to properly prepare and store your vehicle this winter.
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Quiet Vehicles and Pedestrian Safety

Electric cars continue to make headlines, but anyone who’s had such a vehicle sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars—posing a serious risk to unaware pedestrians.
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Wood-burning Stove Safety

The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.
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How to Reduce Winter Utility Bills

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. With this in mind, consider these tips to reduce your monthly utility bills in the winter.

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.