Personal & Family
Personal Auto Insurance
Coverage for daily drivers, teen drivers, and multi-car households.
Overview
What to know about auto coverage.
Auto insurance does two jobs: it pays for damage to your vehicle and it protects you from claims when you’re responsible for damage to someone else. The trick is tuning each piece so you’re not under-insured on liability or over-paying for coverage you don’t need.
What's typically covered
- Liability for injury and property damage you cause to others
- Collision coverage for damage to your vehicle from an accident
- Comprehensive coverage for theft, weather, and non-collision events
- Medical payments and personal injury protection (state-dependent)
- Uninsured and underinsured motorist coverage
Things to consider
- Liability limits should track your assets, not the state minimum
- Deductibles of $500–$1,000 balance premium savings against out-of-pocket cost
- Teen drivers often qualify for good-student and driver-training discounts
- Leased or financed vehicles typically require gap coverage
Optional add-ons
- Roadside assistance and towing
- Rental reimbursement while your vehicle is in the shop
- New-car replacement for recent model-year vehicles
Real-life scenarios
How the policy holds up.
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A deer meets your front bumper
Animal strikes fall under comprehensive coverage, not collision, so your at-fault record stays clean.
FAQ
Common questions.
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Do I need full coverage on an older car?
Once the vehicle’s value approaches your combined deductible and annual premium for collision/comprehensive, it often makes sense to drop them and keep just liability.
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How do bundling discounts work?
Carriers typically offer 10–25% off when you combine auto with home, renters, or umbrella policies on the same account.
Ready to talk about auto?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
