Car insurance rates are determined by numerous factors including the manufacturer, driver's age, driving history, credit score, average distance driven each day and more. To help you compare rates among the largest names in car insurance today, contact us for a side-by-side comparison.
- Liability: Pays if you injure someone or damage someone’s property in an accident. When you buy liability, you choose a limit—the maximum amount we’ll pay for a liability claim. Most states require you to have a minimum amount of liability coverage.
- Uninsured/Underinsured Bodily Injury (UMBI): Pays for your medical expenses, lost wages and other damages when you’re hurt in an accident caused by a driver who has insufficient or no insurance.
- MedPay (also known as Medical Payments): Pays for the cost of reasonable and necessary medical care you get as the result of an accident, regardless of who’s at fault. Covers medical expenses up a specified dollar limit.
- Comprehensive: Pays to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail or flooding. This coverage pays for damage to your vehicle caused by hitting an animal. While collision and comprehensive aren’t required by law, your bank may require them if you finance or lease your car.
- Collision: Pays to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who’s at fault.
- Rental Reimbursement: Pays for your rental car while your car is being repaired as part of a comprehensive or collision claim.
- Roadside Assistance: Pays for repairs or towing when your vehicle breaks down due to mechanical or electrical issues, a dead battery, or a flat tire; you’re locked out of your car; your vehicle runs out of gas; or your vehicle gets stuck in the snow or mud.
- Loan or Lease Gap Coverage: Pays the difference between the settlement amount and the amount you owe the bank if your vehicle is declared a total loss. This difference can easily be several thousand dollars for newer cars, which tend to depreciate in value quickly.