You may be a responsible driver, but it’s everyone else we’re worried about. That’s why it is important to have car insurance. Most car insurance providers have multiple overages to handle every situation. Each type of coverage is designed to protect you or your property. And, you’re in the driver’s seat when picking which vehicle coverages best fit your circumstances.

Do you live in a high-risk area for floods or wildfires? If so, then selecting comprehensive coverage might be a smart choice. Comprehensive coverage pays for the damages to your vehicle caused by natural disasters, such as hail, fire or floods. It also protects your property if it is vandalized or stolen.

Liability Protection

Liability, a required coverage in most states, will help pay for another person’s injuries as well as the damages to their car if you’re found at fault.

Comprehensive Coverage

Comprehensive insurance is optional coverage that protects you in the event your vehicle is damaged due to something other than a collision.


Pays for bodily injury to you and other passengers and drivers of your insured vehicle for losses caused by uninsured or underinsured drivers.

Collision Protection

Collision coverage is typically an option, unless your lender requires you to carry this coverage. It will cover the costs to repair your vehicle after a car-collision.