Personal Insurance

Auto Insurance

The best rates for real good drivers.

Helpful Tip

Bundle and save. Your home and auto insurance are better together!


What is auto insurance?

  • Financial protection for you and your vehicle.

    • Auto insurance provides financial protection for you and your vehicle. It covers the costs for which you'll be responsible if you cause an accident that injures someone else or damages their property. It can also cover damage to your own vehicle, either from a collision or another type of danger, like hail, fire, falling objects, and theft.

    • Depending upon your insurance coverage, you can even receive free towing if you’re stranded by the side of the road, or for a rental car if your vehicle is being repaired following an accident. A minimum amount of auto insurance is legally required in almost every state, but most drivers need more coverage than just their state’s requirements.

What does auto insurance cover?

    • Bodily injury liability

      Bodily injury liability protects against an injury you cause with your vehicle. Example: You rear-end another driver and the impact gives them whiplash.

    • Property damage liability

      This kind of coverage protects against property damage you cause with your vehicle, like if you run a stoplight and cause an accident involving another vehicle.

    • Personal injury protection

      Personal injury protection covers medical expenses for you and your passengers after an accident. This kind of coverage is required in some states. You'll want this coverage if you live in a “no-fault state” and are injured in an accident.

    • Uninsured/underinsured motorist

      This type of insurance protects you from out-of-pocket expenses for damage caused by a driver who doesn’t have insurance, or whose insurance doesn’t fully cover repair costs. If you’re involved in an accident with an uninsured driver and your vehicle requires expensive repairs, you'll have to pay for them yourself if you don't have this coverage.

    • Comprehensive

      Comprehensive coverage protects you from damage not caused by a collision, like if an icy tree branch falls onto your car’s roof, smashing it and cracking the windshield.

    • Collision

      This kind of coverage safeguards you from damage caused by a collision, no matter who was at fault. Example: You back into a telephone pole and crack your rear bumper.

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