Auto Insurance Coverage

Understanding Your Auto Insurance Coverage

Your policy is comprised of the options you select, so how much you'll pay depends on:

  • What you buy. Coverages are priced individually, so how much you'll pay depends on how many coverages and at what limits you select. You can also consider an umbrella insurance policy that extends your coverage.
  • How much each will cover. Deductibles lower the premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would need to pay the first $500 of the covered loss. Higher deductibles generally lower your premium, but increase the amount you must pay if a loss occurs.

Selecting Auto Insurance Policy

Determining Your Auto Insurance Needs

Choose your auto insurance with thorough coverage for the best price.

There’s a lot to think about when you're choosing auto insurance. In some states, to license your car you must carry liability coverage for damages incurred by others if you cause an accident, or no-fault coverage to pay for medical and related expenses for you and your passengers caused by injuries from a car accident, regardless of fault; or carry both. Without car insurance, you risk paying the full cost of:

Auto Insurance Policy Coverage

Auto Insurance policy Coverage Options is comprised of options you select

  • What you buy. Coverages are priced individually, so how much you'll pay depends on how many coverages and at what limits you select. You can also consider an umbrella insurance policy that extends your coverage.
  • How much each will cover. Deductibles lower the premium price by shifting part of the loss payment to you. For example, if you had a $600 deductible, you would need to pay the first $600 of the covered loss. Higher deductibles generally lower your premium, but increase the amount you must pay if a loss occurs.