| Coverage | What it pays for | Typical limits |
|---|---|---|
| Bodily injury liability | Pays injury costs for other people when you are at fault.Required in nearly every state. Raise it if you have savings or a home to protect. | Commonly 50/100 up to 250/500 |
| Property damage liability | Pays to repair the other party's vehicle or property.Required. Low limits are easy to exceed with newer vehicles. | $25,000 to $100,000 |
| Collision | Repairs your car after an accident, regardless of fault.Required by lenders. Worth it while your car still holds value. | $500 or $1,000 deductible |
| Comprehensive | Covers theft, hail, fire, flood, vandalism and animal strikes.Strongly recommended in storm, flood or high-theft areas. | $500 or $1,000 deductible |
| Uninsured / underinsured motorist | Covers your injuries when the at-fault driver has no or too little insurance.Inexpensive and valuable — roughly one in eight drivers is uninsured. | Usually matched to your liability limits |
| Medical payments / PIP | Pays medical bills, and in no-fault states lost wages, for you and your passengers.Required in no-fault states; useful if you have a high health deductible. | $1,000 to $10,000, or state-mandated PIP |
| Roadside assistance | Towing, jump starts, lockouts and flat-tire changes.A few dollars a month and often cheaper than a standalone club. | Per-event towing allowance |
| Rental reimbursement | Pays for a rental car while yours is being repaired after a covered claim.Worth adding if you have only one vehicle. | Around $30–$50 a day |
How much coverage should you carry?
A useful rule: carry enough liability to protect what you could lose in a lawsuit, and set a deductible you could pay tomorrow without borrowing. Saving $8 a month by dropping to state minimum limits is a poor trade if a single serious accident exceeds them.
Special situations we can quote
- SR-22 and high-risk — after a DUI or major violation, we shop carriers that specialize in filings rather than surcharging you.
- Rideshare and delivery — personal policies often exclude commercial use; a rideshare endorsement closes that gap.
- New or teen drivers — good-student and driver-training discounts can meaningfully offset the youth surcharge.
- Coverage lapse — several carriers will still write you; the key is getting back to continuous coverage now.
- Multi-car and multi-policy — usually the single largest discount available.
Availability of each coverage and endorsement varies by carrier and state. A licensed agent confirms what applies to you.