Coverages You Need

Auto insurance is complex. Some coverage types are required by law, some are required by financial institutions to secure a loan, and some are just smart protections for yourself and your family.

Review these high level guidelines to get a sense of what coverage types you may need, and then one of our expert consultants can help you build your perfect policy.


For injuries for which no one is at fault, you need medical.

Covers medical bills when no one is obligated to pay for them. Extends to other drivers listed on your policy, members of your household and your passengers....Read More

Uninsured Motorist

For injuries and repairs caused by someone without insurance, you need uninsured/underinsured motorist

Despite the legal requirements, some motorists drive without enough (or any) auto insurance. If they cause an accident, this coverage will pay for the gap. Required in some states....Read More

Rental Reimbursement

For paying for a loaner vehicle, you need rental reimbursement

If you don’t have another vehicle available and yours is in the shop, you’ll need a rental and won’t have to pay out of pocket with this coverage....Read More


For injury or property damage you cause to others, you need liability.

Covers medical bills and property damage resulting from an accident in which you’re at fault. Most states require a minimum amount of liability coverage....Read More


For repairs to your car from a traffic accident, you need collision.

Required if you do not own your vehicle outright. (AKA you have a car loan.)


For repairs to your car from other mishaps, you need comprehensive.

Covers non-traffic accident related mishaps like theft, weather damage or hitting a deer. Required if you finance your vehicle....Read More


For full value car replacement, you need GAP.

Covers the difference between your car’s value and the amount you owe. Vehicles depreciate as soon as they’re purchased, so if you total your car driving it off the lot, you won’t recover the full replacement cost with only collision or comprehensive coverage....Read More

Towing & Roadside

For help on the road, you need towing & roadside assistance.

Accident or not, emergency roadside assistance can help you when you lock yourself out, need a tow or jump, get a flat or run out of gas....Read More

Companies We Work With

* Not all carriers available in every state.