Having an auto insurance policy is about way more than just staying legal on the road. It’s important to understand your options and build a policy that meets your true needs.

Auto insurance encompasses a wide range of products, including:

  • Cars, Trucks, SUVs/Crossovers, Vans
  • Classic/Antique Cars
  • Motorcycles/Scooters/Golf Carts
  • ATVs
  • Boats
  • Jet Skis/Personal Watercrafts
  • RVs/Travel Trailers/Motorhomes
  • Trailers

An auto policy is composed of multiple types of coverages, including:

  • Liability – coverage for others and property in the event you are found responsible for a collision
  • Uninsured/Underinsured – coverage for you and your property in the event another party is responsible and they don’t have coverage/enough coverage
  • Medical Payments (MedPay) – coverage for you and others (including pedestrians) that are injured
  • Personal Injury Protection (PIP) – same as MedPay, but also includes coverage for loss of wages
  • Comprehensive – coverage for your vehicle from losses other than collision (hail, animals, falling objects, etc.)
  • Collision – coverage for your vehicle from losses resulting in a collision
  • Rental Car Reimbursement (Loss of Use) – coverage that will pay per day up to a certain amount for the use of a rental car due to a covered loss of your primary vehicle
  • Roadside Assistance – coverage for towing and labor, fuel delivery, lockout service, flat tire assistance and more
  • Endorsements (subject to availability):
    • Accident Forgiveness
    • Minor Violation Forgiveness
    • Deductible Waiver
    • Vanishing Deductible
    • New Car Replacement
    • Gap Coverage
    • Pet Injury Coverage
    • Ridesharing
    • And More!

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