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AUTO INSURANCE

Auto insurance that actually matches how you drive.

State minimum liability limits were set decades ago in most states. Medical costs and vehicle repair costs ran past them long ago. We place auto coverage that would actually hold up in a real claim, not just a coverage card you hand to a police officer.

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WHAT'S COVERED

What a standard auto policy includes.

Liability coverage

Pays for injuries and property damage you cause to others in an at-fault accident. The most important coverage on your policy. State minimums are almost never enough to cover a serious accident.

Collision and comprehensive

Collision pays for damage to your vehicle from an accident. Comprehensive pays for damage from theft, vandalism, weather, animals, and falling objects. Both are typically required if you have a loan.

Uninsured and underinsured motorist

Pays your medical bills and lost wages if you are hit by a driver with no insurance or not enough insurance. About one in eight drivers is uninsured. This coverage protects you, not them.

Medical payments and PIP

Pays medical expenses for you and your passengers regardless of fault. Some states require Personal Injury Protection. Either way, this is the coverage that pays first if anyone in your car is hurt.

IMPORTANT LIMITATIONS

What a standard auto policy does not cover.

Business use

Using your personal vehicle for business deliveries, ride-share, or regular client visits is excluded under personal auto. You need a business auto policy or a ride-share endorsement.

Mechanical breakdown and wear

Auto insurance covers sudden accidental loss, not the cost of normal repairs, maintenance, or parts wearing out. Mechanical breakdown coverage is a separate product.

Intentional damage

Damage you intentionally cause to your own vehicle or someone else's is excluded. So is racing, speed contests, and using the vehicle to commit a crime.

Custom equipment beyond standard limits

Aftermarket stereos, custom paint, lift kits, and other modifications are typically capped at $1,000 to $1,500 unless you specifically schedule them with the carrier.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Send us your current auto dec page. We will tell you where you are underinsured.

Most drivers we review are carrying liability limits that were set when the policy was first written and never updated. Send the dec page. We will show you what raising UM and liability actually costs.

Varies widely by state, driver age and history, vehicle type, and coverage limits. Most drivers pay between $700 and $2,500 per year for a typical personal auto policy.

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