Auto Insurance
Auto insurance is designed to help protect you, your passengers, and your vehicle from certain financial losses related to covered accidents, theft, or other events. GetMyPolicy.app connects you with licensed insurance agents who can help you explore auto insurance options from participating companies.
Most states require drivers to carry at least a minimum amount of liability coverage. Many people also consider additional coverage types, such as collision and comprehensive, to help protect their vehicles and manage the costs that may arise after an accident or other covered event.
When you speak with a licensed insurance agent, they can help you understand how different coverage options may work together and what certain limits, deductibles, and exclusions mean for you.
Common types of auto insurance coverage
- Liability coverage: May help pay for injuries or property damage to others if you are found responsible for a covered accident, up to policy limits.
- Collision coverage: May help pay to repair or replace your vehicle if it is damaged in a covered collision with another vehicle or object, subject to deductible and policy terms.
- Comprehensive coverage: May help with certain non-collision events such as theft, vandalism, fire, or certain weather-related damage, subject to policy terms and deductible.
- Uninsured/underinsured motorist coverage: May help protect you if you are involved in a covered accident with a driver who has no insurance or not enough insurance, where allowed.
- Medical payments or personal injury protection (PIP): May help cover certain medical costs for you and your passengers after a covered accident, subject to the coverage available in your state.
Factors that may affect auto insurance costs
- Your driving history, including certain accidents and violations, where allowed by law.
- The type of vehicle you drive, including its age, make, and model.
- How much you drive and how you use your vehicle (for example, commuting vs. personal use), where applicable.
- Selected coverage types, limits, and deductibles.
- Other rating factors allowed in your state or region, which may vary by insurer.
How GetMyPolicy.app can help
If you share your information on this website, a licensed insurance agent may contact you to discuss auto insurance options that may be available from participating companies. They can:
- Explain different coverage types and how they may work together.
- Review available limits, deductibles, and policy features from participating companies.
- Discuss how changes to your coverage choices may affect your premium.
- Help you compare options so you can decide what may fit your budget and needs.
Examples of auto coverage considerations
The right combination of auto insurance coverage depends on your situation, vehicle, and preferences. Below are examples of topics you may want to discuss with a licensed insurance agent.
Liability coverage limit choices can affect how much protection you have if you are found responsible for a covered accident. Higher limits may provide more protection but may also result in higher premiums, subject to insurer and state rules.
If you finance or lease your vehicle, your lender may require certain coverage. Even if it is not required, you may want to consider how you would pay for repairs or replacement if your vehicle is damaged or stolen, subject to policy terms.
Deductibles generally represent the amount you pay out of pocket before certain coverages begin to pay, subject to policy terms. Choosing a higher deductible may lower your premium but increase your potential out-of-pocket costs after a covered loss.
You may need to list household members or regular drivers on your policy, where required. A licensed insurance agent can discuss how drivers are rated or covered under policies offered by participating companies.
Whether you use your vehicle primarily for commuting, personal errands, or other purposes may affect your coverage needs and premium, where allowed by insurer and state rules. Usage may be one of several factors considered.
Participating companies may offer certain discounts based on eligibility, such as for safe driving, multiple vehicles, or bundling auto coverage with other policies, where available. A licensed insurance agent can review any discount opportunities offered by those companies.
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