Auto Insurance

   


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Car insurance works as a safeguard for your financial well-being and your vehicle in case of accidents, theft, or other incidents beyond your control. Your car insurance company can pay for vehicle repairs, medical expenses, and damages or injuries you cause to another driver. Keep in mind that car insurance won't cover maintenance or general wear and tear.

What is car insurance?

Car insurance covers damage to your vehicle and protects you financially if you're liable for someone else's injuries or damages. Auto insurance can also pay for medical bills if you or your passengers are injured in an accident or you're hit by an uninsured or underinsured driver. Your policy protects you up to certain limits, agreed upon by you and your insurer.



Do I need car insurance?
Auto insurance is required in all states except New Hampshire (New Hampshire still requires financial responsibility if you cause an accident, so you'll want to be properly insured). Driving without insurance can result in a fine, license suspension, or even jail time. Most other insurers, will ensure any policy you select meets your state's requirements.

What does auto insurance cover?

Auto insurance covers a variety of mishaps that can occur on or off the road. Although coverages may vary by state, these are the standard coverages on most auto insurance policies:

Property Damage

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured / Underinsured Motorist Damage Coverage

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Transportation Expenses / Rental Coverage

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Property Damage

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured / Underinsured Motorist Damage Coverage

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Transportation Expenses / Rental Coverage

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

  

1. Other optional coverages

   Includes rental car reimbursement, loan/lease payoff (also known as gap coverage), and roadside assistance.

Explore more options get an auto quote now!

What does car insurance not cover?

A basic car insurance policy won't cover wear and tear, people who regularly drive your car but aren't listed on your policy, and driving on a ridesharing platform. However, you can sometimes add coverage or purchase a separate policy or warranty to cover the things your auto policy doesn't.

How is car insurance priced?

Insurers consider many factors when pricing your auto policy, including your age, driving history, location, and type of car. Learn more about car insurance cost factors and the average cost of car insurance.

What is a car insurance premium?

Your auto insurance premium is the amount of money you pay your car insurance company in exchange for coverage. You generally have the option to pay your premium monthly or in full.

What is a car insurance deductible?

Your deductible is the out-of-pocket expense you pay before your insurer will cover your claim.

For example, you have a $500 deductible, hit a telephone pole, and your car repairs cost $2,000. You'll pay $500, and your insurer pays the remaining $1,500. You can choose your deductible amount from the options offered by your insurer.

The higher your deductible, the more of the claim expense you're responsible for. That means your out-of-pocket costs will be higher, but you'll have a lower overall rate, and vice versa.

Does car insurance cover maintenance?

Maintenance, mechanical failures, and wear and tear to your vehicle aren't covered by auto insurance. If your vehicle is disabled roadside assistance coverage can pay for a tow to the nearest mechanic.

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