What is auto insurance?
Your auto insurance protects you in the event of a car accident or theft. In exchange for a premium, an insurance carrier pays your losses according to the terms of your policy.
What does auto insurance cover?
The amount of coverage can vary depending on the policy you choose. Here are some of the most common coverage options.
Liability
If you’re responsible for an accident, liability car insurance protects you.
Collision
Car collision coverage helps pay for repairs if your vehicle is damaged in an accident.
Comprehensive
This covers auto damage caused by incidents other than collisions like theft or severe weather.
Uninsured and Underinsured
Coverage for auto and medical bills if you’re in an accident with an uninsured or underinsured driver.
Personal Injury
Also known as no-fault insurance, this helps pay for medical expenses caused by a car accident.
Roadside and Rental
Added coverage options include rental cars in the event of an accident and roadside assistance.
What doesn't auto insurance cover?
- General wear and tear
- Intentional damage
- Routine auto maintenance and repairs
- Drivers not listed on your policy
- Commercial use of your car
- Ridesharing
- Stolen personal items
Ask the right questions to find the best auto insurance for you
Questions to consider for yourself
- What is my commute? Where do I park? Consider these day-to-day activities to help determine the amount of coverage you need.
- Who else will be driving my car?
- Do I need any additional coverage like gap or commercial?
Questions to ask your agent
- Do I qualify for any savings or discounts?
- Are there coverage requirements for my state
- What isn’t covered on my auto insurance policy?
