Auto Insurance

Auto insurance helps protect you from the financial impact of accidents, vehicle damage, theft, and other unexpected events. Understanding how coverage works can help you make informed decisions and find a policy that fits your needs.

About Auto Insurance

Driving comes with risks, from minor fender benders to major accidents and vehicle theft. Auto insurance is designed to help cover the costs associated with these events, reducing the financial burden when something goes wrong.

While most states require drivers to carry a minimum amount of insurance, many people choose additional coverage for greater protection and peace of mind.

Auto insurance policies can include different types of coverage, each serving a specific purpose depending on how you use your vehicle and the level of protection you’re looking for.

What Auto Insurance Typically Covers?

  • Damage to your vehicle after an accident
  • Injuries to you, your passengers, or others involved in a crash
  • Damage to another person’s property
  • Theft of your vehicle
  • Vandalism and certain weather-related events
  • Legal expenses related to covered claims
  • Costs associated with uninsured or underinsured drivers. You must request uninsured motorist coverage is added to your policy in order to be covered.

Common Coverage Options

  • Liability Coverage – Covers injuries or property damage you cause to others.
  • Collision Coverage – Helps pay for repairs to your vehicle after an accident.
  • Comprehensive Coverage – Covers non-collision incidents such as theft, hail, fire, or vandalism.
  • Medical Payments or Personal Injury Protection (PIP) – Helps cover medical expenses after an accident.
  • Uninsured Motorist Coverage – Provides protection if you’re involved in an accident with a driver who has little or no insurance.
  • Roadside Assistance – Offers help with breakdowns, towing, lockouts, and flat tires.

Who Can Get Auto Insurance?

Auto insurance is available to most licensed drivers and vehicle owners.

You may be eligible for coverage if you are:

  • An experienced driver switching insurance companies
  • A vehicle owner with a financed or leased car
  • A member of a household with multiple drivers
  • A business owner using vehicles for work purposes
  • A driver returning to the road after a period without insurance

Information You May Need When Applying

We’ll  ask you for:

  • Name
  • Address where the vehicle is primarily kept
  • Vehicle details (year, make, and model)
  • Vehicle Identification Number (VIN)
  • Current or previous insurance information

Popular Auto Insurance Questions

The right amount of coverage depends on factors such as your vehicle’s value, your budget, state requirements, and how much financial risk you’re comfortable taking on.

Insurance premiums are often based on:

  • Driving history
  • Age and driving experience
  • Vehicle type
  • Location
  • Annual mileage
  • Coverage selections
  • Claims history

Not necessarily. A lower premium may come with higher deductibles, fewer coverage options, or lower coverage limits. It’s important to compare both price and protection.

A deductible is the amount you pay out of pocket before your insurance coverage contributes to a covered claim.

A yearly review is a good practice. You should also revisit your policy after major life events such as moving, buying a new vehicle, getting married, or adding a driver to your household.

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