Auto Insurance
Auto insurance coverage that protects your assets
Auto insurance quotes are highly competitive because drivers shop often and rules vary by state. Smart coverage starts with liability limits and then adds physical damage coverage based on vehicle value and risk tolerance.
Core coverages explained
Pays for injuries/damage you cause. Consider higher limits if you have assets or higher income exposure.
Covers damage to your vehicle after an accident, regardless of fault (subject to deductible).
Covers non-collision losses: theft, vandalism, hail, falling objects, animal strikes.
Helps if you’re hit by a driver with no/insufficient insurance. Coverage rules vary by state.
Deductibles & rate strategy
If you increase deductibles, premiums often drop — but only do this if you can comfortably cover the deductible after a loss.
$250, $500, $1,000 (varies by insurer). Consider different deductibles for collision vs comprehensive.
Driving record, credit-based insurance score (where allowed), vehicle type, annual mileage, and location.
High-CPC extras & add-ons
Proof-of-insurance requirement after certain violations. Not a policy itself — a filing attached to your coverage.
Helps pay for a rental car while your vehicle is repaired after a covered claim.
Towing, battery jump, lockout support. Compare limits and usage rules.
If your car is totaled, gap can cover the difference between loan balance and actual cash value (if eligible).