Liability
Coverage
Pays for injuries and damage you cause to other drivers, up to the limits you pick.
The way you use your car should shape the policy behind it. Start from that, and the choices get simpler.
Get your quote
Every question about your policy comes to me and gets answered by me. Limits, deductibles, a new driver joining the car, a vehicle you just sold. You get a direct reply from the same person each time, not a ticket number.
Pays for injuries and damage you cause to other drivers, up to the limits you pick.
Repairs your own car after a crash with another car or pole, minus your deductible.
Covers hail, flood, fire, theft, a tree limb or a deer hit, minus a set deductible.
Not sure which mix fits your car? The plan page lays it out.
See the planRenewal three weeks out
I sent over how the car gets used and got back three options with the differences laid out. Choosing one took an evening, not a month.
Halfway through a policy term
My old policy still listed the car I traded last spring. One email fixed the list, and the limits now match how much I actually drive.
Year, make, model, who drives it, and roughly how far each year. That is a few lines in the sign-up form, nothing extra.
I map what you told me onto liability, collision and the rest, then send back a short comparison you can keep and reuse.
Choose the one that fits you, sign it electronically, and the papers land in your inbox on the same day they are issued.
The car's year, make and model, the names of everyone who drives it, a rough yearly mileage and where it is parked overnight. If you already hold a policy, keep it nearby so the limits can be compared line by line.
Often, yes. A car that covers long highway stretches every week faces different risks than one used for short errands. Mileage shapes the collision side of the policy more than most people expect.
Tell me as soon as the keys get shared. A newly licensed driver or a partner moving in changes who is covered and at what cost, and adding them early avoids a gap if something happens on the road.
Yes. Limits, deductibles and add-ons can be adjusted while the policy is active. Send the change you want, and I will confirm what it does to the premium before anything is switched.
Through the contact page or by replying to any policy email. Every message lands with me, and the answer comes from the same person each time, with no hand-offs in between.