Auto insurance is the policy people shop hardest on price and understand least in substance. The advertising is all about premium; almost none of it is about what happens after a serious accident.
State minimum liability limits are set by legislatures, not by what accidents actually cost. A single serious injury claim can exceed a minimum limit several times over, and the gap is your personal responsibility. Raising liability limits is usually one of the least expensive changes available on an auto policy.
UM/UIM covers you when the other driver has no insurance or not enough of it. In several states a significant share of drivers are uninsured. This coverage is inexpensive, routinely set at the state minimum by default, and it is the one that pays your medical bills when nobody else will.
Collision covers impact with another vehicle or object. Comprehensive covers everything else — hail, theft, fire, flood, falling branches, animal strikes. Drivers in severe-storm states who drop comprehensive on an older vehicle to save premium are exposed to the single most likely loss they will actually face.
Send us the declarations page you have now. We read it line by line, tell you plainly where the gaps are, and shop it across the carriers appointed in your state. If what you hold is already the right policy, we will say so.
Send your policyOne brokerage, one file. If it is on this list we can shop it alongside whatever you already hold, and tell you where the two policies overlap or leave a gap.
Send us what you have now. We will read it properly, tell you where the gaps are, and shop it across the carriers appointed in your state. If it is already right, we will say so.
Independent insurance guidance for your home, your business, and your life across state lines.