Every part matters
Coverage that considers the whole vehicle.
A headlight, a bumper, a windshield — the parts of your car that quietly do their job every day are also the ones most likely to need attention after an incident. Comprehensive and collision coverage exist for exactly that.
Know your options
A policy is a set of choices, not a mystery box.
You can mix and match protections based on what would be hardest to replace. We’ll help you see the tradeoffs before you decide, and none of the options below are mandatory add-ons — they’re here so you know what exists.
The essential
Liability
Helps cover the other driver’s costs when you’re found responsible for an accident. Required in nearly every state.
Your car, your call
Collision
Helps repair or replace your car after a crash, whether you hit another vehicle or an object.
Beyond the road
Comprehensive
Helps with theft, weather damage, falling objects, vandalism, and other non-collision surprises.
A smart backup
Uninsured motorist
Helps protect you when the driver at fault has no insurance, or not enough of it.
Care comes first
Medical payments
Can help with medical expenses for you and your passengers after a covered accident.
When plans change
Roadside assistance
Towing, jump starts, flat tires, and lockouts: practical help when you need to get moving again.
A useful rule of thumb
Protect what you couldn’t comfortably replace.
A paid-off older car might call for a different balance than a brand-new vehicle. The goal is coverage that matches your situation, not more or less than that.
What would repair or replacement realistically look like for you?
Who rides with you, and who depends on you getting home safely?
Which risks would be hardest for you to absorb on your own?
What monthly premium fits comfortably, without stretching you thin?
A closer look
How a deductible actually works.
Your deductible is the amount you’d pay out of pocket on a covered claim before your policy contributes the rest. A higher deductible typically means a lower premium, and a lower deductible means less to pay if something happens. There’s no universally “right” number — only the one that matches what you could comfortably afford in an unplanned moment.
A simple way to think about it
Ask yourself: if I needed to pay this amount today, would it be an inconvenience or a real hardship? Your answer is a good starting point for choosing a deductible.
Good questions
Coverage conversations we have every day.
A higher deductible can lower your premium, but only choose one you could comfortably pay if you needed to file a claim.
“Full coverage” is shorthand, not a specific policy. We’ll walk through the protections that make sense for your vehicle and situation.
Usually, yes. Life changes, and your policy can change with it. Talk to your insurance partner about your options.
Collision covers crashes with another vehicle or object. Comprehensive covers non-collision events like theft, weather, or vandalism. Many drivers carry both.
It can, depending on the claim and your policy. Your insurance partner can walk you through what to expect based on your specific situation.
Beyond your control
Storms, hail, and everything in between.
You can’t schedule bad weather around your commute. Comprehensive coverage is built for the moments a storm, a fallen branch, or an icy road causes damage that has nothing to do with how carefully you drive.
Worth asking about
A few add-ons drivers often ask us about.
These aren’t part of every policy, but they come up often enough that we like to mention them.
Rental reimbursement
Can help cover the cost of a rental car while yours is being repaired after a covered claim.
Gap coverage
Can help cover the difference between what you owe on a financed or leased vehicle and its value after a total loss.
New car replacement
For newer vehicles, this can help you replace rather than just repair after a serious accident.
After an accident
Getting back on the road shouldn’t be complicated.
Collision coverage is about more than a check — it’s about having a clear path to repair and a car that’s roadworthy again. We’ll help you understand what your coverage includes before you need it.
Requirements vary by state.
Minimum liability limits, and whether coverages like uninsured motorist protection are required, differ depending on where you live and register your vehicle.
Good to know
Meeting the minimum isn’t the same as being covered.
State minimum coverage is designed to satisfy legal requirements, not necessarily to protect your own vehicle or finances after a serious accident. We’ll help you understand your state’s requirements and where it might make sense to go beyond them.
If the unexpected happens
What filing a claim generally looks like.
Every insurance partner’s process is a little different, but most claims follow a similar shape.
Report the incident
Contact your insurance partner as soon as it’s safe to do so, with the details of what happened.
Document what happened
Photos, a police report if one was filed, and any other paperwork help support your claim.
Stay in touch
Your claims adjuster may follow up with questions while reviewing your policy and the incident.
Resolution
Once reviewed, you’ll hear about next steps, which can include repair, replacement, or payment based on your policy.
Every mile counts
From five-minute drives to cross-state trips.
Coverage shouldn’t change based on how far you’re going. Whether it’s a quick errand or a long haul, the protection you’ve chosen travels with you.
Your next step