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Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Required in 48 states, liability covers bodily injury and property damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Alaska.
Full Coverage
Combines liability, comprehensive, and collision into one policy. Typically required by lenders on financed or leased vehicles until the loan is paid off.
Comprehensive Coverage
Covers damage from theft, vandalism, fire, weather, and animal strikes. Covers everything except collisions and includes glass damage with no deductible in some states.
Collision Coverage
Pays for vehicle damage from crashes with other cars or objects, regardless of fault. Deductibles typically range from $250 to $1,000 and directly impact premium cost.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Required in 20 states and covers medical bills, lost wages, and vehicle damage.
