Auto insurance
Liability, collision, comprehensive and everything in between, shopped across multiple carriers so you see real options instead of one take-it-or-leave-it price.
See what each coverage does.
Tap a number on the street corner. Each one is a part of an auto policy, in plain English.
01 · The other car
Liability
If you cause a crash, liability pays for the other driver's injuries and car, up to your limits. Illinois, Indiana and Texas all require it.
02 · The front end
Collision
Pays to repair your own car after a crash, whoever is at fault, minus your deductible.
03 · The windshield
Comprehensive
Theft, vandalism, hail, flooding, animal strikes and broken glass.
04 · The front seats
Medical payments
Helps pay medical bills for you and your passengers after an accident, whoever is at fault.
05 · The intersection
Uninsured motorist
When the at-fault driver has no insurance, this covers your injuries. Illinois requires it, and in Indiana and Texas it stays on the policy unless you turn it down in writing.
06 · The tow truck
Roadside & rental
Towing and roadside help when the car won't go, and a rental while yours is in the shop.
What it covers
- Bodily injury and property damage liability
- Collision: damage to your car from a crash, whoever is at fault
- Comprehensive: theft, vandalism, hail, flooding, animal strikes and glass
- Uninsured and underinsured motorist coverage
- Medical payments for you and your passengers
- Rental reimbursement while your car is in the shop
Common add-ons
- Roadside assistance and towing
- Gap coverage for financed or leased vehicles
- Rideshare endorsement for Uber and Lyft drivers
- Custom parts and equipment
What each state requires
We write auto policies in Illinois, Indiana and Texas. Each state sets its own minimum liability limits. They're the floor, not a recommendation.
Who it's for
Individuals and families with one car or five, new drivers, and anyone whose renewal just went up without an explanation.
Common questions
What is "full coverage"?
There is no policy called full coverage. People usually mean liability plus collision and comprehensive. We show you what each part does and what it costs so you can decide what full means for you.
Will a ticket or accident disqualify me?
Usually not. Some carriers specialize in drivers with a ticket, an accident or a lapse in coverage. Shopping across multiple carriers is exactly how we find them.
What if I need an SR-22?
An SR-22 is a certificate an insurance carrier files with the state to prove you carry liability coverage: the Secretary of State in Illinois, the BMV in Indiana and the Department of Public Safety in Texas. Tell us when you request a quote and we'll look for carriers that can file it with your policy.
How do I get proof of insurance?
Once a policy is bound, your carrier issues digital ID cards you can save to your phone, and we email a copy for your records.
Related coverage
Get a second look at your coverage.
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