Auto coverage

Auto Insurance

Build smarter protection with the right liability limits, deductibles, and coverage options—without paying for features you don’t need.

How auto insurance protects you

Auto insurance helps pay for injuries and property damage after an accident, and can also cover theft, weather, vandalism, and other non-collision losses.

We focus on the details that matter most: liability limits that match your risk, deductibles that fit your savings, and optional coverages that close common gaps.

Fast savings check
  • Bundle discounts for home and renters
  • Good driver and safe vehicle programs
  • Usage-based and mileage options
  • Adjusting deductibles and coverages
Core coverages

The building blocks of a strong policy

These are the sections most policies are built around—each one protects you in a different way.

Bodily injury liability

Helps pay for injuries to others when you’re at fault, up to your limits.

Property damage liability

Helps cover damage you cause to vehicles, structures, and property.

Collision

Helps repair or replace your vehicle after a collision, minus your deductible.

Comprehensive

Covers non-collision losses like theft, glass, weather, and vandalism.

Uninsured/underinsured

Protects you when another driver lacks sufficient coverage.

Medical payments

Helps with medical expenses for you and passengers, depending on state rules.

Optional add-ons

Popular upgrades

Add-ons can reduce headaches after a loss, especially if you drive daily or rely on one vehicle.

  • Roadside assistance
  • Rental reimbursement
  • Gap coverage for financed vehicles
  • New car replacement options
Pricing factors
Vehicle year, make, model, and repair costs
Driver history, mileage, and usage
Garaging location and coverage limits
Deductibles and selected add-ons
Choose well

How we help you choose limits

Liability limits should reflect what you own and what you could be responsible for in a serious accident.

Start with liability

We review realistic scenarios so your limits match your risk, not the minimum requirement.

Set deductibles intentionally

Pick deductibles you can pay comfortably so a claim doesn’t become a financial strain.

Match coverage to vehicle value

Comprehensive and collision decisions depend on value, loan status, and repair costs.

FAQ

Auto insurance questions

A few quick answers before you request a quote.

A higher deductible can reduce premium, but only if you can comfortably cover that amount after a loss. We help you choose a realistic deductible.

If your car is financed, it’s often required. If it’s paid off, it depends on vehicle value, repair costs, and your ability to replace it.

Vehicle details, driver information, garaging ZIP code, prior insurance (if any), and your preferred liability limits are a great start.

Often, yes. Bundling auto with homeowners or renters can increase discounts and simplify policy management.

Get an auto quote with clear options

We’ll help you choose limits, compare coverage, and find savings that don’t weaken protection.