Welcome to Payne & Brown Insurance

Opening Hours : Monday to Friday - 8am to 5pm, Saturday By Appointment.
Fax: 740-965-4776

  Contact : (740) 965-4472

Automobile Insurance

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Auto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required. 

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. 

Make sure you understand what these terms mean and how much coverage is right for you.

  • Standard and Preferred auto Insurance
  • High Risk auto Insurance
  • Classic autos / High Valued autos
  • Special program for Mature/Elderly Drivers
  • Discounts that are available
  • Recreational vehicles / Boats


Coverage options
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.


Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium. 

Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident. 

Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage. 

Personal Injury Protection 
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage 
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Payne Brown Insurance

An Independent Insurance Agency representing many different insurance companies throughout Columbus & Sunbury

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Personal Insurance

Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate.

Commercial Insurance

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs...

Life & health Insurance

You need to protect yourself, your family and your business, and our Financial Services department offers a full range of coverage options for individuals or businesses

Meet our Insurance Specialists

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business. Building a long-lasting relationship with our clients is our number one priority.