Select a product to get a quote. Register new account Pay your bill. Get your ID cards. Featured auto resources. Insurance for Teen Drivers Get the tools, support and coverage your family needs when you add a new driver to your policy. Car insurance for travel to Mexico Driving to Mexico? What are deductibles and limits? As you're choosing a car insurance policy, make sure you understand deductibles and limits. Learn about deductibles and limits.
Use tool. How to read your policy declarations After you purchase an auto policy, you'll receive an important document, called a policy declarations. Get started. Related resources. What Is Uninsured Motorist Coverage? Learn what it is and why this could be important after a crash. See how to best protect a brand new ride. Many factors go into the cost of your auto insurance policy , including how you purchase the policy: online, through a call center, or with an agent.
Connect With Us. Update Below. ZIP Code. City, State Set Your Location. You have entered an invalid ZIP. To cover this, you need to purchase the following optional auto insurance coverages:. If you lease or finance your vehicle, auto dealers or lenders will likely require you to purchase collision and comprehensive.
But keep in mind that collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly.
To cover this, you may want to look into purchasing gap insurance to pay the difference. Note: For leased vehicles, gap coverage is usually rolled into your lease payments. Your policy also provides coverage if someone not on your policy is driving your car with your consent.
Your personal auto policy, however, will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas or operate a delivery service.
Note, too, that personal auto insurance will generally not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products at additional cost that extend coverage for vehicle owners providing ride-sharing services. Collision and comprehensive insurance are optional in every state, but may be required by your contract if you financed or leased a vehicle.
Collision insurance pays for damage to your car after an accident, regardless of who was at fault. It will also pay for pothole damage. Comprehensive insurance pays out if your car is stolen or damaged by anything other than a car accident. That includes damage from storms, floods, falling objects, explosions, earthquakes, vandalism or contact with an animal, such as hitting a deer.
The higher the deductible you choose, the lower your premium will be. Usually, the car dealer will provide the gap insurance, and the cost will be included as part of the lease payment. However, that results in paying interest on coverage you can typically get cheaper through an insurer. Rental reimbursement pays for a rental car while your car is in the shop following a covered claim repair.
Roadside assistance , or towing and labor coverage, provides help if you break down and need a battery jump or a tow. New car replacement insurance works similarly to gap insurance and will pay for the value of a new car if yours is totaled in an accident. Most insurers offer one coverage or the other only. Full glass coverage pays to repair or replace chipped or broken window glass, without a deductible.
ZIP Code. How car insurance works. What car insurance coverage is required? Types of car insurance coverage at a glance. Coverage type. What it pays for. Liability coverage. Uninsured motorist coverage. Underinsured motorist coverage. Collision coverage. Comprehensive coverage. Medical payments coverage. Gap insurance. Liability insurance.
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