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Auto insurance

A little more confidence for the road ahead.

From the everyday commute to a weekend away, understand the coverage choices that fit the way you drive.

Explore My Auto Coverage
A driver traveling along a sunlit coastal road in a slate-blue sedan02 / Auto insurance

A clearer understanding

Every journey has its own story.

Auto coverage can address different risks, including liability for harm you cause and damage to your own vehicle. Your state’s requirements, your vehicle, and how you use it all shape the conversation. Start by understanding what each part of a policy does.

NAIC consumer guide to auto insurance (opens in a new tab)

Start with the essentials

Understand the pieces. See the possibilities.

Useful starting points for a conversation.
Specific benefits and terms vary by policy.

01

Liability

May help pay for injury or property damage you cause to others, up to policy limits. State requirements vary.

02

Collision & comprehensive

Collision typically addresses crash damage to your vehicle. Comprehensive typically covers certain non-collision events. Deductibles and exclusions apply.

03

Additional considerations

Discuss uninsured/underinsured motorist coverage, medical-related coverages, and optional features based on your state and policy.

Before we talk

A few things
worth thinking about.

You don’t need every answer.
These questions are a good beginning.

  • Which vehicles and drivers need coverage?
  • How do you use your car day to day?
  • What limits and deductibles do you have now?
  • Is your vehicle financed or leased?

Read the quote line by line

Match the coverage before comparing the price.

Two quotes can have similar premiums and very different protection. Put the same drivers, vehicles, limits, and deductibles on each comparison.

01

Liability limits

Review bodily injury and property damage limits separately. State minimums are a starting requirement; discuss what an accident could mean for your finances.

02

Damage to your vehicle

Collision and comprehensive address different losses. Compare each deductible and check your lender or lease requirements before removing either coverage.

03

Details that change a quote

Check all household drivers, vehicle use, mileage, garaging address, and optional benefits. Ask about exclusions for delivery or rideshare work.

A lower premium is useful only when you understand which limits, deductibles, or benefits changed.

Read the auto buying guide

A straightforward beginning

A clearer quote for the road ahead.

Prepare for a auto insurance conversation with these three steps.

  1. 01

    Gather the current picture.

    Have your declarations page, vehicle details, household drivers, and typical vehicle use ready for a secure quote process.

  2. 02

    Compare like for like.

    Check limits, deductibles, exclusions, optional coverages, discounts, and the total premium for the same policy period.

  3. 03

    Coordinate the switch.

    Confirm the new policy’s effective date and proof of insurance before arranging cancellation of existing coverage.

Good questions deserve clear answers

A little more clarity on auto insurance.

Still wondering about something?
Let’s talk it through

See the whole picture

Confidence for what comes next

Life keeps moving. Let’s find your next step.

A few questions. A useful conversation.
A clearer place to begin.

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