Liability Coverage
Covers damages and injuries you might cause to other people or their property in an at-fault accident. It's legally required in most states.
Collision Coverage
Pays for repairs to your own vehicle if it's damaged in an accident, regardless of who is at fault. Essential for newer cars.
Comprehensive Protection
Protects your car from non-collision incidents like theft, vandalism, fire, or natural disasters. Often paired with collision coverage.
Medical Payments & PIP
Covers medical expenses for you and your passengers after an accident, regardless of fault. Important for immediate care costs.
Deductibles and Your Rates
Your deductible is the amount you pay out-of-pocket before your insurance coverage kicks in for a claim. It's a key factor in balancing upfront costs with potential claim expenses.
Choosing a higher deductible typically lowers your monthly premium, as you're taking on more risk. Conversely, a lower deductible means higher premiums but less out-of-pocket during a claim.
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