Compare the limits and coverage—not only the premium.
A personal auto policy can include bodily injury and property-damage liability, uninsured and underinsured motorists, comprehensive, collision, rental reimbursement, and roadside assistance.
The policy should list the correct drivers, vehicles, garaging, ownership, and use, and it should coordinate with any personal umbrella policy.
Coverage considerations
- Bodily injury and property-damage liability
- Uninsured and underinsured motorists
- Comprehensive and collision deductibles
- Rental reimbursement and roadside assistance
- Vehicle use, garaging, drivers, and mileage
- Umbrella eligibility and household coordination
Daily Drivers
Coverage for commuting, errands, and ordinary household use.
Multiple Vehicles
Coordinated schedules, drivers, discounts, and limits.
Youthful Drivers
Household rating, vehicle assignment, and eligibility considerations.
Higher Liability Needs
Limits reviewed in relation to household assets and umbrella eligibility.
Related coverage
Personal auto should coordinate with homeowners, umbrella, recreational vehicles, and any business use of personally owned vehicles.