Coverage Built for
Every Kind of Driver

Modular protection options that pair together for complete coverage or stand alone for exactly what you need.

Coverage Lineup

Pick the protection that matches how you use your vehicle.

I built each coverage type around a specific driving scenario. Start with the essentials, layer on more, or bundle for full protection.

Essential

Liability Protection

Covers your bodily injury and property damage expenses when an at fault accident occurs. Meets and exceeds every state minimum requirement so your registration stays valid.

  • Bodily injury per person
  • Bodily injury per accident
  • Property damage liability
  • Legal defense coverage
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Required in all 50 states
Vehicle

Collision Coverage

Handles repair and replacement costs when your vehicle sustains damage in a collision, regardless of which driver is at fault. Most lenders require it on financed vehicles.

  • At-fault collision repair
  • Not-at-fault repair
  • Total loss payout
  • Adjustable deductible
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Required for financed vehicles
Full Shield

Comprehensive Cover

Protects against theft, vandalism, weather events, falling objects, and animal collisions. Ideal if you park outside or drive in unpredictable conditions.

  • Theft and vandalism
  • Storm and weather damage
  • Animal collision
  • Falling objects
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Non-collision events covered
Protection

Uninsured Motorist

Covers your medical expenses and vehicle damage when an accident involves a driver with no insurance or insufficient coverage to pay for the resulting damages.

  • Medical expense coverage
  • Hit-and-run incidents
  • Underinsured motorist
  • Passenger protection
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Covers gaps other drivers leave
Medical

Medical Payments

Pays for medical treatment costs following an accident regardless of fault. Coverage applies to you, your passengers, and family members present at the time.

  • Emergency treatment
  • Hospital stays
  • Rehabilitation costs
  • Fault-independent payout
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No fault determination needed
Roadside

Roadside Assistance

Sends help quickly when your vehicle breaks down, runs out of fuel, needs a jump start, or requires a tow. Available around the clock including weekends and holidays.

  • Towing to nearest shop
  • Battery jump start
  • Fuel delivery
  • Lockout assistance
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Available 24 hours, every day
Specialty Coverage

Coverage for specialized driving situations.

If you use your vehicle beyond everyday commuting, add on options fill the gaps standard policies leave behind.

Rideshare Coverage

Fills the coverage gap that exists between personal auto policies and the platform insurance provided by rideshare apps. Activates the moment you switch the app on, covering your full shift from passenger pickup through drop off. Compatible with Uber, Lyft, and most food delivery platforms. No grey area, no coverage interruptions between periods.

Uber, Lyft, and delivery compatible

Classic and Collector

Agreed value coverage for restored, classic, and collector vehicles. I lock the price at the agreed value rather than depreciated market rate, so the payout reflects your actual investment in the vehicle. Suitable for show cars, weekend drivers, and vehicles stored during winter months. Annual mileage flexibility based on your usage patterns.

Agreed value payout guaranteed
Coverage Questions

Common questions about coverage options.

Answers to the questions I hear most before drivers select a coverage plan.

Yes. Liability only coverage is available and meets state minimum requirements for registration. It is a common choice for older vehicles where repair costs might exceed vehicle value. You can add collision and comprehensive at any time if your coverage needs change.
A higher deductible lowers your monthly premium because you agree to pay more out of pocket before coverage kicks in on a claim. A lower deductible increases the premium but reduces the financial impact of filing a claim. The quote tool shows you both options side by side so the tradeoff is clear before you select.
Standard personal auto policies typically extend liability coverage to rental vehicles for personal use. Collision and comprehensive coverage for rentals depends on the policy tiers you select. A rental reimbursement add on is also available that covers the cost of a rental while your covered vehicle is being repaired after a claim.
You can add multiple vehicles to a single policy. Each vehicle can carry different coverage levels depending on its value, usage, and the primary driver assigned to it. A multi vehicle discount applies automatically when two or more vehicles are listed on the same policy at the time of quoting.
Coverage activates the same day your payment is confirmed. I send your digital insurance card and policy documents immediately after checkout. No waiting period or activation delay applies to standard personal auto policies. You can present proof of insurance from your smartphone right after purchase.

Start building a coverage plan that fits. Get a quote now.

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