Compare auto insurance options with help from an independent insurance agent. We'll explain your coverage choices and look at what participating carriers can offer you.
A policy is built from several coverages. Here's what each one generally does, so you can decide what fits.
Bodily injury liability helps cover other people's medical bills, lost wages, and legal costs if you cause an accident. Property damage liability helps pay to repair or replace another person's car, fence, or other property. Every state sets its own minimum limits, and many drivers choose higher limits for more protection.
Collision applies when your car hits another vehicle or an object such as a guardrail or pole, regardless of who is at fault. You choose a deductible, which is the amount you pay before coverage applies. If you lease or finance your vehicle, your lender may require it.
Sometimes called "other than collision" coverage. It can help with theft, vandalism, falling objects, fire, weather damage, and animal strikes. Like collision, it usually carries a deductible and is often required by lenders.
Uninsured motorist (UM) coverage can help when the at-fault driver has no insurance or in some hit-and-run situations. Underinsured motorist (UIM) coverage helps when the other driver's limits are too low. Some states require these coverages and others let you decline them in writing.
Medical payments coverage (MedPay) helps with medical and funeral expenses regardless of fault. Personal Injury Protection (PIP) is broader in many states and may include lost income and essential services. PIP is required in no-fault states and optional or unavailable in others.
Often called rental reimbursement or transportation expense coverage. It typically pays a set daily amount up to a maximum number of days while your car is in the shop for a covered loss.
Roadside or emergency road service is an optional add-on with many carriers. Services, distance limits, and the number of calls allowed vary by carrier and plan.
Depending on the carrier and state, you may be able to add gap insurance for financed vehicles, new car replacement, rideshare coverage for app-based drivers, custom parts and equipment coverage, and more. Ask us which options are available for your situation.
Coverage availability, limits, deductibles, exclusions, discounts, and pricing vary by insurance carrier, state, policy, and individual circumstances.
Each carrier uses its own rating formula, which is one reason prices for the same driver can differ from company to company. Common factors include:
Many carriers offer discounts. Which ones you can get, and how much they're worth, depends on the carrier and your state. Common examples:
Discount availability and amounts vary by carrier, state, and policy. Not all discounts apply to all drivers.
Every driver's situation is different. We'll walk through yours and look at what's available.
Learn how coverage works and what affects your price before you buy your first policy.
Review whether your current coverage still fits your car, commute, and budget.
Explore options for adding teen drivers, spouses, and other household members.
Compare ways to cover more than one vehicle, including multi-car options where offered.
Get help comparing alternatives and timing a switch so you avoid a gap in coverage.
A new address can change your rate and your state's requirements. We can help you review options.
Explore whether other participating carriers may offer more competitive options for you.
Not sure what you need? Talk it through with an agent who can explain your choices.
Eligibility and pricing are determined by each insurance carrier's underwriting guidelines. We can't promise coverage based on any driver category, but we'll help you explore available options.
Auto insurance rules differ from state to state, including minimum liability limits, whether PIP is required, and how fault is decided. We only provide insurance services in states where our agency is properly licensed.
State-specific guides will be listed here for the states we serve. In the meantime, call us or request a quote and we'll tell you whether we can help in your state.
Request a free quote online in about two minutes, or call and talk to an agent.