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Auto Insurance

Last reviewed September 15, 2026

Pays what you owe other people after a crash, and, if you choose, repairs or replaces your own car. The liability limits you pick decide how much of your own money is exposed; the deductibles decide what a claim costs you on the day.

An auto policy is a bundle of separate coverages, each with its own limit or deductible, and the declarations page lists which ones you bought. Liability is the part every state requires: it pays for injuries and property damage you cause to others, up to the limits on the page, and pays for a lawyer if you are sued. Everything else, from collision to rental reimbursement, is optional and priced on its own.

The premium is set by the carrier from the drivers, the vehicles, the garaging address, the coverages chosen and the household's claims and driving record. Two people with the same car in the same city can pay very different amounts, which is why the same policy is worth pricing with several carriers at once.

The analysis takes your current declarations page, checks the limits against what you own and earn, and compares the same coverages across the carriers we represent. If the policy you have is the right one, that is the answer you get.

Covered and not covered

Covered

  • Injuries and property damage you cause to others, up to your liability limits
  • Your legal defence when you are sued after a crash
  • Repairs to your own car after a collision, less the deductible
  • Theft, vandalism, hail, glass, fire, flood and animal strikes under comprehensive
  • Your injuries when an uninsured or underinsured driver is at fault
  • Medical bills for you and your passengers regardless of fault
  • A rental car while yours is repaired after a covered loss

Not covered

  • Wear, mechanical breakdown and maintenance
  • Damage while driving for a delivery or rideshare app without the endorsement
  • Intentional damage, racing and driving under the influence
  • Personal belongings stolen from the car (a renters or home policy covers those)
  • Custom equipment above the policy's small built-in limit, unless scheduled
  • Business use of a vehicle the policy lists as personal

What auto insurance does

Bodily injury and property damage liability

Liability pays other people. Bodily injury covers the medical bills, lost wages and pain of anyone you injure in a crash you cause; property damage covers their car, fence, or storefront. Limits are written per person, per accident and per accident for property, and once a limit is spent the rest comes from you. The state minimum is a floor, not a recommendation; most households with a home or savings carry far more, and an umbrella policy sits above these limits.

Collision

Collision repairs or replaces your own car after it hits, or is hit by, another vehicle or an object, whoever is at fault. It pays the car's actual cash value less your deductible, so an older car can be worth less than the coverage costs over a few years, which is a real decision rather than a default.

Comprehensive

Comprehensive covers damage that is not a collision: theft, vandalism, hail, a windshield cracked by a rock on the freeway, a tree limb in a monsoon gust, flood water, fire, and hitting an animal. It carries its own deductible, often lower than collision, and glass is sometimes handled with a separate, smaller deductible or none at all.

Uninsured and underinsured motorist

When the driver who hits you carries no insurance or too little, this coverage stands in for theirs and pays your injuries, and in some states your car, up to your own limits. In the four states we serve a meaningful share of drivers are uninsured, so we usually recommend matching these limits to your liability limits rather than the minimum.

Medical payments and personal injury protection

Medical payments coverage pays medical bills for you and your passengers regardless of fault, with no deductible, and can fill a health plan's deductible after a crash. Personal injury protection does the same and can add lost wages and other expenses; Utah requires it as part of its no-fault system, and the other three states offer it or medical payments as an option.

Rental reimbursement, towing and gap

Rental reimbursement pays a daily amount for a rental while your car is repaired after a covered loss. Towing and roadside pays for a tow, a jump or a lockout. Gap coverage pays the difference between what the car is worth and what you still owe on the loan or lease if it is totalled; it matters most in the first years of a long loan.

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