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Car Insurance

Car Insurance with You in Mind

With car coverage, discounts and more, we'll do everything we can to protect what's most important to you.


Why Do You Need Car Insurance?

Almost every state requires some kind of auto insurance β€” but do you know why? Having auto insurance is a great benefit to you and protects you in many ways:

  • Protects your vehicle investment.
  • Protects you against medical expenses after an accident.
  • Protects you against damages from a lawsuit.
  • Protects you from uninsured or underinsured motorists.
  • Protects you from expenses for repairs due to things like theft, vandalism or other disasters.
  • Bonus: It provides peace of mind every time you hit the road.

Car Insurance Terms You Need to Know

New to auto insurance or need a refresher on some key terms? Here are some common car insurance terms and definitions to help you get in the know and confident in your coverage.

Car Damage Coverage

Car damage coverage is covering the physical damage to your vehicle if you get into an auto accident.

Deductible

A car insurance deductible is the amount you’ll pay out of pocket before your insurance company kicks in to cover a claim. Learn more about car insurance deductibles.

Liability

Car insurance liability is what you’re responsible for in the event of an accident. This includes bodily injury liability, which covers injuries to others and protection if you’re sued, and property damage liability, which covers damage to someone else’s property, like a mailbox or car.

Limit

A coverage limit is the maximum dollar amount your insurer will pay out for a specific type of coverage on your policy.

Premium

Your car insurance premium is the amount of money you pay to your insurance company for your policy. Find out how you can save on your premium!

Full Coverage

Though there is no such thing as “full coverage,” it’s a common term used to describe the amount of auto insurance coverage someone has, and typically implies that the policy has at least liability, comprehensive and collision coverage.

How to Compare Auto Insurance Policies

First things first — make sure you’ve got key info handy like the year, make, model, and VIN of your car. Then, keep these tips in mind when comparing auto insurance policies.

Compare Similar Policies

When requesting quotes from multiple sources, it’s important to make sure the information you provide is identical from quote to quote. For instance, some car insurance coverages allow you to adjust your deductible, so make sure the deductible you choose is the same for every quote you request. Entering the same information will ensure you’re comparing auto insurance rates accurately.

Know What You're Getting

Some policies include things like roadside service or rental reimbursement, while others may have an additional cost for features like these. When comparing policies, make sure to pay attention to what you’re paying for versus what’s included. It’s important you’re getting all the coverages you need for a price you’re willing to pay.

Consider What the Company Offers

Be sure to thoroughly evaluate multiple companies, not just for the right quote, but for everything else they have to offer. Do they have great customer service? Cutting edge technology? 24/7 claims service? Be diligent and don’t settle on just anyone to take care of what matters most to you.

Drive Safer and Save More with KnowYourDrive

Our free, innovative driving technology, KnowYourDrive, gives you more control over what you pay and helps you practice safe driving behaviors at the same time. Simply download the free app and get an introductory 5% discount. The app tracks your driving behavior and calculates your premium savings β€” up to 20% β€” based on how safe a driver you are.*

It’s that simple!

Reliable Emergency Roadside Service

If you find yourself stranded on the highway for something like a flat tire or running out of gas, our Emergency Roadside Assistance is on standby to help get you moving again.

Learn More >

Easy Account Access On-the-Go

Download our MyAccount App to pay bills and get your proof of insurance cards in just a few taps!

Learn About the App >

Expert Agents

Your agent is your advocate — they're always ready to help answer any questions you have about car insurance and they'll help build a policy that's customized to you.

Find an Agent >

Save on Auto When you Bundle

Bundling takes the stress out of managing multiple plans. Bundle your home and auto policies to save up to 29% on your auto coverage and 20% on your homeowners coverage.*

Available Auto Bundles >

Save on Auto When you Bundle

Bundling takes the stress out of managing multiple plans. Bundle your home and auto policies to save up to 29% on your auto coverage and 20% on your homeowners coverage.*

Available Auto Bundles >

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*Discount and savings amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.

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