More than a state minimum, less than a guess.

The coverages that matter most

Liability is the core, because an at-fault accident with injuries can produce a claim well beyond your assets. Collision pays for your vehicle in a crash, comprehensive for theft, weather, and animal strikes. Uninsured and underinsured motorist protects you when the other driver has no coverage or too little, which is more common than most drivers realize. Medical payments handles immediate injury costs. The mix, not just the price, is what makes a policy good.

Why the state minimum is a trap

State minimum liability limits exist to make driving legal, not to protect you. A single serious injury claim can exceed those limits in an afternoon, and once the policy is exhausted, the rest comes from you. Carrying real limits, and an umbrella on top, is what stands between an accident and your savings, your home, and your future earnings. The minimum is the floor, not the plan.

Adding a truck camper or camper shell to a pickup? A pickup's auto policy may address the truck and your driving liability, but the camper itself, the gear inside it, or a detached camper may need separate review. See truck camper insurance for the questions worth asking before a claim.

Uninsured motorist, the coverage drivers skip

A large share of drivers carry no insurance or the bare minimum. If one of them hits you, your own uninsured and underinsured motorist coverage is what pays for your injuries and losses. Drivers often trim it to save a little premium, then discover after a crash that the at-fault party cannot pay. We treat this as core coverage, not an optional add-on, because it protects you from other people's choices.

How we handle it

We set liability limits to protect your actual assets, then coordinate them with a personal umbrella. We match uninsured and underinsured motorist to your liability so you are protected both ways. We bundle home and auto where it makes sense for both price and coordination. And we make sure every driver and vehicle is listed correctly so a claim is not contested.

Shopping a new quote or weighing a renewal? Our guide to comparing auto insurance quotes walks through it coverage by coverage, and you can download the auto quote comparison checklist to use against your declarations page. Driving a Kia or Hyundai? See why some Kia and Hyundai vehicles are more expensive or harder to insure. Adding a teen driver? See a real example of what it cost one household.