Coverage Options For Every Type Of Driver

Liability coverage pays for damages and injuries caused to others when the insured driver is at fault. It does not pay for repairs to the insured vehicle. Full coverage adds collision and comprehensive protection, meaning the insured vehicle is also covered for crash damage, theft, weather events, and other qualifying incidents. The right choice depends on vehicle value, loan status, and the level of risk the driver is comfortable carrying.

Coverage levels can be adjusted at any point during the policy term. Drivers who purchase a vehicle, add a new driver to their household, or change how frequently they drive can update their plan to reflect those new circumstances. Adjustments take effect at the next billing cycle unless an immediate change is required.

Rideshare coverage does not replace a standard personal auto policy. It is designed as an add-on that activates specifically during the period when the driver has the app open and is waiting for or completing a trip. Personal auto policies typically exclude this window, and rideshare platform coverage often begins only after a ride request is accepted. The Rideshare Ready add-on bridges that gap rather than replacing either policy.

Driving history is one of the primary factors used when calculating premiums. Drivers with clean records and low annual mileage typically qualify for lower rates at renewal. Optional telematics programs may also be available, allowing drivers to demonstrate safe habits in exchange for additional savings on future premiums. Details on available discount pathways are provided during the quote process.