Liability
Pays for injuries and damage you cause to other people. Most states require it, and the limits you pick shape everything else in your policy.
Auto insurance, weighed up
The parts of your auto policy that earn their keep
A policy only proves its value on the day something goes wrong. I walk you through what each part of auto coverage does for your car and your driving, so the plan you pick fits the road you are on.
Request your quote
The idea behind the site
Cover that matches the car you drive
Two drivers can pay for the same policy and get very different value from it. A ten year old commuter car and a new lease do not need the same protection. I built this site so you can see the difference before you renew.
- See which parts of the cover pull their weight for you
- Match limits and deductibles to what you could pay now
- Spot the add-ons that sound useful but rarely get used
Four parts of every policy
Where your premium actually goes
Each card covers one slice of a typical auto policy and the question it answers for you.
Collision
Repairs or replaces your own car after a crash, whoever was at fault. Best weighed against what the car would sell for on the day it happens.
Storm, theft and fire
Handles theft, hail, fire, flood, falling branches and animal strikes. Often cheap, and easy to forget it exists until a storm rolls through.
Uninsured drivers
Steps in when the driver who hit you carries too little coverage or none at all. A quiet line on the policy that matters most in a hard week.
Three steps, start to finish
What happens when you send a request
-
Step
1
Share your car, its drivers and how far you go
-
Step
2
Look through the options that fit that picture
-
Step
3
Choose the plan that fits and set it up
What drivers say
Drivers who checked before signing
I had carried the same liability limits for years without knowing what they covered. Half an hour here and that number finally meant something to me.
Yvonne Draper
Two add-ons on my policy had never been used once. Seeing what each line does made it easy to drop them and put the money toward a lower deductible.
Phillip Moss
My daughter started driving and the price on both cars jumped. Seeing which parts of the cover do the work made the choice far less of a guess.
Darlene Frye
Your next renewal does not have to be a guess
Send your details and get back options shaped around your car, not a one size fits all plan.
Start your request
Before you sign anything
Questions drivers ask
Usually the premium drops, but the trade is real. The deductible is the amount you pay yourself before the policy pays anything, so pick a number you could hand over next week without stress. If that number is small, a slightly higher premium may be the better deal for you.
It depends on what the car would fetch today. Collision pays up to the car's current value minus your deductible, so on a low value vehicle the most you could ever receive might be close to a year of the extra premium. Compare the two numbers and decide from there.
In most cases the policy follows the car, not the driver, so a friend borrowing it with your permission is normally covered under your plan. Their own policy may act as backup. Check the named driver and exclusion sections, since some plans limit who can be behind the wheel.
Any time something about the car or the driving changes. A new commute, a teen driver, a paid off loan or a move to a new address can all shift what you need. Even with no changes, a once a year check before renewal keeps the policy honest.