Liability
Helps cover injuries or property damage you cause to others, subject to policy limits.
Coverage options
Compare the policy parts that shape your price and protection.
Auto insurance quotes are not only about monthly premiums. Liability limits, deductibles, optional coverages, and lender requirements all influence the right fit.
Common coverage types
Collision
Helps pay to repair or replace your vehicle after a covered crash, usually after a deductible.
Comprehensive
Helps cover non-collision events such as theft, vandalism, glass damage, hail, or fire.
Uninsured motorist
May help when a driver with no insurance or insufficient insurance causes a covered loss.
Medical payments or PIP
Can help with covered medical costs depending on your state and policy structure.
Roadside and rental
Optional add-ons may support towing, jump starts, rental reimbursement, or trip interruption needs.
State minimum versus full coverage
State-minimum coverage may satisfy legal requirements, but it may not protect your own vehicle. Full coverage usually refers to a package that includes liability, collision, and comprehensive coverage.
- Financed or leased vehicles often require collision and comprehensive coverage.
- Higher deductibles may lower premiums but increase out-of-pocket costs after a claim.
- Higher liability limits may cost more but can provide broader protection.