Auto Insurance
Protection for every mile, priced by carriers competing for your business.
What is auto insurance?
Auto insurance protects you financially when your vehicle is involved in an accident, stolen, or damaged. Nearly every state requires drivers to carry minimum liability coverage, but the legally required minimums are rarely enough to protect your savings if you cause a serious accident.
As an independent agency, we quote your auto policy with multiple carriers at once. Rates for the exact same driver can vary by hundreds of dollars per year between companies — the only way to know you're getting a fair price is to compare, and that's what we do on every policy, every renewal.
What it covers
- Bodily injury you cause to other people in an at-fault accident
- Damage you cause to other people's vehicles and property
- Repairs to your own vehicle after a collision, regardless of fault
- Theft, vandalism, fire, hail, flood, and animal strikes (comprehensive)
- Your medical bills and lost wages after an accident with an uninsured driver
- Towing, roadside assistance, and rental car reimbursement (optional add-ons)
What it doesn't cover
- Intentional damage or racing-related losses
- Normal wear and tear or mechanical breakdown
- Personal belongings stolen from the vehicle (covered by home/renters instead)
- Business use of a personal vehicle, such as delivery driving, unless endorsed
Coverage components explained
1Bodily Injury Liability
Pays medical bills, lost income, and legal costs when you injure someone else in an at-fault accident. This is the coverage that protects your savings and future wages from a lawsuit — we typically recommend limits well above state minimums.
2Property Damage Liability
Pays for damage you cause to other vehicles, fences, buildings, and other property. With the average new car now costing over $45,000, low limits can leave you personally exposed in a multi-car accident.
3Collision
Repairs or replaces your own vehicle after a crash with another vehicle or object, regardless of who was at fault, minus your deductible.
4Comprehensive
Covers non-collision losses: theft, vandalism, glass breakage, fire, falling objects, hail, flood, and collisions with animals.
5Uninsured / Underinsured Motorist
Steps in when the at-fault driver has no insurance or not enough. Roughly one in seven drivers on the road is uninsured — this coverage protects you and your passengers from someone else's bad decision.
6Medical Payments / PIP
Pays medical expenses for you and your passengers after an accident, regardless of fault. Required in some states, optional but valuable in others.
When you need auto coverage
- You own or lease any vehicle — liability coverage is required by law in nearly every state
- You have a loan or lease — lenders require collision and comprehensive
- You have savings, a home, or future income worth protecting from an at-fault lawsuit
- You drive for rideshare or delivery — your personal policy likely excludes it without an endorsement
- Your teenager is getting licensed — we can compare carriers to soften the rate impact
Frequently asked questions
How much auto insurance do I actually need?
State minimums (often 25/50/25 or lower) are rarely enough. If you cause an accident with serious injuries, anything beyond your limits comes out of your pocket. For most households we recommend at least 100/300/100 in liability limits, and adding an umbrella policy if you have meaningful assets. We'll walk you through what makes sense for your situation.
Will shopping my policy with multiple carriers hurt my credit?
No. Insurance quotes use a 'soft pull' that doesn't affect your credit score, no matter how many carriers we quote.
What deductible should I choose?
A higher deductible ($1,000 vs. $500) lowers your premium but means more out of pocket per claim. The right choice depends on your emergency fund and your vehicle's value. As a rule of thumb, pick the highest deductible you could comfortably pay tomorrow.
Does my personal auto policy cover rideshare or delivery driving?
Usually not. Most personal policies exclude losses while you're logged into a rideshare or delivery app. If you drive for Uber, Lyft, DoorDash, or similar, tell us — several of our carriers offer affordable rideshare endorsements that close the gap.
Why did my rate go up even though I haven't had a claim?
Carriers adjust rates for entire regions based on repair costs, medical inflation, weather losses, and litigation trends. This is exactly where an independent agent earns their keep: when your carrier raises rates, we re-shop the market for you instead of you starting over from scratch.
Let's find the right auto coverage for you
Answer a few questions and a licensed advisor will compare quotes across our carrier lineup — usually back to you within one business day.