Collision Insurance
Covers damage to your car from a crash with another vehicle or object, regardless of fault.
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Insurance is a highly individualized product, and every driver has different needs to meet in terms of both coverage and budget. Are you willing to spend a little more for top-notch customer service, or is price the primary determining factor? Does your vehicle need special coverage, or are you looking for a standard policy with improved perks like discounts and the latest digital tools? Setting a budget and outlining your priorities will simplify the shopping process.
Once you know your priorities, it's time to select the specific coverages. This includes state-mandated liability, but also optional protections like collision, comprehensive, and uninsured motorist coverage. Consider factors like your car's value, your emergency savings, and your risk tolerance when building your package.
To get accurate quotes, you'll need to have some key information handy. This typically includes driver's license numbers for all household drivers, vehicle identification numbers (VINs), current mileage, and details about your driving history over the past 3-5 years.
Beyond the basics: specific protections for every driver.
Covers damage to your car from a crash with another vehicle or object, regardless of fault.
Protects against "acts of God," including theft, fire, hail, and animal collisions.
Pays for medical expenses for you and your passengers, often covering lost wages too.
Protects you if you're hit by a driver who has no insurance or flees the scene.