We simplified coverage into three straightforward options designed to match how you actually drive and what you need protected.
This is total protection for your vehicle beyond just accidents. When unexpected events damage your car, comprehensive coverage steps in to handle repairs or replacement costs. Think of it as the safety net that catches everything collision insurance doesn't.
Your car faces risks every day that have nothing to do with how you drive. A hailstorm cracks your windshield, someone breaks a window to steal valuables, or a tree branch falls during a storm and dents your roof. Comprehensive coverage handles all these scenarios plus vandalism, fire damage, and even hitting an animal on the road.
Theft protection covers both the vehicle and personal items inside
Weather damage from hail, floods, hurricanes, and falling objects
Vandalism repairs including broken windows, scratched paint, and slashed tires
When accidents happen on the road, collision protection makes sure you're not stuck paying massive repair bills out of pocket. This coverage kicks in whether you hit another vehicle, crash into a guardrail, or accidentally back into a pole in a parking lot.
Accidents don't follow a schedule, and repair costs can drain your savings fast. A fender bender might seem minor until you get the estimate for body work, paint matching, and parts replacement. Collision protection removes that financial stress so you can focus on getting back on the road safely.
Covers repairs regardless of who caused the accident
Access to certified repair shops with guaranteed workmanship
Fast claim processing gets you driving again quickly
Liability insurance protects your financial future when you're responsible for an accident that injures others or damages their property. Without it, you'd personally owe for medical bills, vehicle repairs, legal fees, and other costs that can easily reach hundreds of thousands of dollars.
Being legally required in most states is just one reason to carry liability coverage. The real value shows when an accident happens and the other driver's injuries need treatment, their car needs extensive repairs, or property along the roadside gets damaged. Your liability insurance handles those expenses instead of forcing you into debt or bankruptcy.
Bodily injury coverage pays medical costs for people you injure
Property damage covers repairs to other vehicles and structures
Legal defense included if you're sued after an accident
Not every driver carries proper insurance, and some carry none at all. When an uninsured or underinsured driver causes an accident that injures you or damages your vehicle, this coverage steps in to fill the gap their missing insurance should have covered.
Statistics show that roughly one in eight drivers operates without insurance despite legal requirements. If one of them hits you, their lack of coverage becomes your problem unless you have uninsured motorist protection. This coverage pays for your medical bills, lost wages, vehicle repairs, and other expenses you'd otherwise struggle to collect from a driver with no insurance.
Medical expenses covered when hit by uninsured drivers
Vehicle repair costs paid without pursuing the at-fault driver
Hit-and-run accidents covered under this protection
Personal injury protection, often called PIP, covers medical expenses for you and your passengers after an accident regardless of who caused it. Unlike traditional health insurance, PIP also pays for lost wages, rehabilitation costs, and services you can't perform yourself during recovery like childcare or house cleaning.
This coverage works quickly without waiting for fault determination or dealing with the other driver's insurance company. Your medical bills get paid immediately, letting you focus on healing instead of fighting for compensation. Some states require PIP coverage, while others offer it as optional protection worth considering for comprehensive accident recovery support.
Immediate medical payment without fault determination
Lost wages replaced during recovery periods
Essential services covered while you heal from injuries
Breaking down on the side of the road creates stress and safety concerns most drivers prefer to avoid. Our roadside assistance coverage connects you with professional help whenever your vehicle won't start, runs out of fuel, gets a flat tire, or experiences mechanical issues that leave you stranded.
A dead battery at three in the morning, a flat tire on a busy highway, or keys locked inside your car all qualify for roadside assistance. One call brings a professional technician to your location ready to jump-start your battery, change your tire, deliver fuel, or tow your vehicle to the nearest repair facility. The peace of mind knowing help is always available makes this affordable coverage invaluable.
Towing service to your preferred repair shop
Battery jump-starts and tire changes on the spot
Fuel delivery and lockout assistance available
New vehicles lose value the moment you drive them off the dealer lot, creating a gap between what you owe on your auto loan and what your car is actually worth. If your vehicle gets totaled or stolen during those first few years, standard insurance only pays current market value, leaving you responsible for the remaining loan balance.
Gap insurance eliminates that financial burden by covering the difference between your loan payoff amount and your vehicle's depreciated value. This protection proves especially valuable for drivers who made small down payments, financed for longer terms, or purchased vehicles that depreciate quickly. Without gap coverage, a total loss could leave you paying thousands for a car you no longer own.
Covers loan balance after total loss or theft
Protects against rapid vehicle depreciation
Essential for new vehicle purchases with financing
Waiting for repairs after an accident shouldn't mean losing your ability to get to work, run errands, or handle daily responsibilities. Rental reimbursement coverage pays for a rental vehicle while your car sits in the shop getting fixed after a covered claim.
Repair timelines vary based on damage severity and parts availability, sometimes stretching into weeks for complex work. Rental car costs add up quickly at fifty to seventy dollars per day, turning a week of repairs into hundreds in extra expenses. This coverage caps daily rental amounts and total days covered, but it keeps you mobile during the repair period without draining your wallet.
Daily rental car costs covered during repairs
No need to rely on friends or public transportation
Flexible rental periods based on repair timelines
Find out which coverage works best for your vehicle and driving habits. Get a personalized quote in minutes with pricing tailored to your situation.
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