Who this is for
Anyone who owns or leases a vehicle. If you drive for work, whether that is deliveries, client visits or hauling equipment, read the commercial auto page too, because a personal policy will usually deny that claim.
What it typically covers
Liability. Injury and property damage you cause to others. This is the part that is legally required and the part people under-buy.
Collision. Damage to your own vehicle from an accident, regardless of fault.
Comprehensive. Theft, fire, hail, flood, falling branches, and the deer.
Uninsured and underinsured motorist. Covers you when the other driver has no policy or a minimal one.
Medical payments. Immediate medical costs for you and your passengers.
Roadside and rental reimbursement. Optional, inexpensive, frequently forgotten.
What it usually doesn’t cover
Using the vehicle for rideshare or delivery work without a specific endorsement
Personal belongings stolen from inside the car, which fall under your home or renters policy
Wear, mechanical failure and routine maintenance
Driving outside the policy’s stated territory
A driver in your household who was not listed on the policy
What affects your premium
Driving record, claims history, annual mileage, where the car is parked overnight, vehicle make and model, chosen deductible, and in many places credit-based insurance scoring. Raising a deductible from $500 to $1,000 typically moves the premium noticeably. Whether that is worth it depends on whether you could pay the deductible tomorrow.
How we’d approach it
We pull your current declarations page, rebuild the same coverage across our twelve carriers, and show you the spread. We will also flag where your existing limits look thin. Liability limits are the most common weak point we see.