Car insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It’s a contract in which you pay a certain amount – or “premium” – to your insurance company in exchange for a set of coverages you choose. Most states require that you have car insurance if you own a vehicle, but mandatory minimum coverage and policy limits vary. If you finance or lease your vehicle, your lender may also require specific coverages. Beyond legal requirements, having car insurance is a smart decision. If you cause an accident, you may be held responsible to cover the related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk. Working with an insurance representative to help you choose a car insurance policy that addresses your individual needs and budget can help protect you, your loved ones and your assets.

It depends on the coverage options you choose. Because bodily injury and property damage liability insurance is required in most states, your policy should cover at a minimum vehicle and property damage and injury-related expenses for other people involved in an accident you cause, up to the state-mandated minimum policy limits. You and your car, however, may not automatically be protected by the minimum coverage requirements. To help get the best protection for your individual needs, discuss available coverage options with your local independent agent .

There are several ways you could save money on your car insurance. These can include considering vehicle safety features and reviewing existing car insurance coverages.

Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy. Typically, your policy protects other licensed drivers not listed on your policy who occasionally drive your car, such as:

• Extended family (visiting grandparent(s), parent(s), aunt/uncle(s), niece/nephew(s)).
• Friends (sharing shifts on a road trip).
• Boyfriend/girlfriend (who doesn’t live with you).

Check with your local independent agent to learn more about who needs to be included and who is covered on your policy.

Getting a car insurance quote is easy. Just talk with a local independent agent or use our online quoting tool to start creating a policy that offers the protection you need at a price you can afford.

Typically, most car policies renew automatically. We’ll notify you about any policy or premium changes in advance. It is important to review your coverage needs with your local independent agent on an annual basis.