How It Works
Tell us your state and what is on your record
Get matched with carriers that go easier on accident history
Choose coverage and stop overpaying for your record
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Insurance
A single policy covering two or more vehicles, each with its own coverage level. The multi-car discount applies when all vehicles share one policy and typically requires the same garaging address.
Liability Insurance
Covers damage you cause to others — bodily injury and property damage. Every state sets minimum liability limits; every vehicle on a multi-car policy must carry at least the state minimum.
Full Coverage Insurance
Liability plus collision and comprehensive. Covers damage you cause to others and damage to your own vehicle from accidents, theft, weather, and vandalism. One vehicle on your policy can carry full coverage while another carries liability only.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage. Required in 22 states; optional elsewhere. Applies per vehicle on a multi-car policy.
