Car Insurance
Driving you to better coverage & bigger savings.
Driving you to better coverage.
The right coverage at the best price is just around the corner. Let us unlock all your options by doing the car insurance shopping for you. Start your journey to savings by getting your free quotes today!
The right coverage at the best price is just a click away. Start your journey to savings by getting a quote today!
We work with the best to get you the best.
Guided solutions partners with top-rated insurance providers to get you the car insurance coverage you deserve at a price you can afford.
Our experienced agents work with you to find the best plan so you can be at ease knowing your car is well protected.
We're the better way to get insurance.
Getting car insurance is fast and easy when you let us do the shopping for you. We'll guide you through the process and help you secure your policy, giving you peace of mind that your car is covered with the right protection. Here's how it works:
Tell us about yourself
Share basic details about yourself and your car.
We shop coverage options
We'll compare quotes from top-rated providers & present you with the best options.
You decide!
You select the option that best fits your needs & we'll help you secure your policy.
Don't settle for subpar coverage.
Let us guide you to the right level of protection at the best available rate.
or call (855) 701-2477 to speak with an advisor
Guiding you on your car insurance journey.
The road to peace of mind begins with understanding the ins and outs of car insurance coverage. That’s why we’ve curated an invaluable collection of FAQs and the six fundamental coverage types. Whether you’re a rookie driver or a seasoned road warrior, we’re here to equip you with the knowledge you need to conquer the twists and turns of car insurance selection.
What is car insurance?
Car insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damage in the event of an accident. Learn more.
Is car insurance required?
To drive legally, all but two states (Virginia and New Hampshire) require car insurance. All other states have a minimum requirement — the lowest amount of coverage permissible to be within the law. Learn more.
How much car insurance do I need?
Each state has a minimum insurance coverage threshold that drivers must purchase. However, because the overall cost of an accident can often exceed coverage limits, it might be a good idea to purchase higher coverage limits than what a state requires. In the event that you cause an accident and damages exceed the amount covered by the policy, you'll be required to pay these costs out of pocket. Learn more.
What does car insurance NOT cover?
A car insurance policy covers damage to your car due to sudden and unexpected events. It won’t cover wear and tear that slowly occurs over time. It also doesn’t cover standard maintenance, like faulty wipers, worn-out tires, electrical breakdowns, or mechanical failures. Learn more about is and isn't covered by car insurance.
How are car insurance rates determined?
Many factors affect your car insurance rate, such as your age, gender, marital status, credit score, state requirements, driving history, annual mileage, claims history, coverage level, and the type of vehicle you drive, to name a few. Not all insurance companies use the same parameters, so ask your agent how your rate is determined and what can be done to lower your cost of car insurance. Learn more.
Types of car insurance.
With the abundance of options available, it might be difficult to determine what type of car insurance coverage you need. Here’s a breakdown of the six basic policy types to help you understand what they cover.
Liability Coverage
Provides coverage for injuries and property damage to others if you're liable for an accident. Liability is required in most states to drive a vehicle legally.
Collision Coverage
Covers damages to your car caused by accidents with other vehicles or objects, like light posts or fences, regardless of who is at fault. Collision is typically required for leased or financed cars.
Comprehensive Coverage
This coverage serves as an extra level of protection if your car is damaged by something other than a collision, like weather events, fire, vandalism, or an accident involving an animal.
Personal Injury Protection
PIP helps cover certain medical expenses and loss of income resulting from a covered accident regardless of who's at fault. Personal Injury Protection is required in no-fault states.
Uninsured/Underinsured Motorist
This covers certain medical expenses and damages to your car after an accident with an uninsured/underinsured driver. Required in some states, but not all.
Medical Payments Coverage
This coverage helps pay medical costs for you and any passengers, regardless of who's at fault in the car accident. It is required in New Hampshire, Pennsylvania, and Maine.
Tip: If you’re not driving as often, let your insurance provider know.
On average, car owners drive 12,000 per year. But if you’re driving less due to retirement, change of commute, or a work-from-home situation, let your provider know. Reporting reduced car mileage could shave 5-10% off your car insurance.
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