Be sure you know who and what is covered under any insurance policy you consider buying. Not all auto policies are the same. Since insurance policies can be very different, it is important to read all of your policy and ask questions to make sure you get the coverage that best fits your needs.
Here are some examples of how policy coverage may differ. Some insurance companies:
- sell auto policies that only cover certain drivers or specific vehicles that are listed on the policy. These policies often exclude (do not provide) coverage for anyone living in your household that is not listed by name on the application or policy dec page. These policies also sometimes do not cover a rental vehicle.
- sell auto policies that will raise your deductible to $2500 if an unlisted driver was driving your vehicle when an accident occurs. Other companies will reduce your coverage to the minimum required by law, no matter what you purchased, if an unlisted driver is driving.
- offer coverage for using your vehicle for business purposes such as driving people or delivery property for a fee (think Uber, Favor), and going to and from job sites.
- offer coverage to use only OEM (original manufacturer parts) when fixing your vehicle.
- the Basics page to learn about personal auto coverages and terms;
- the Shopping Guide for tips, things to consider, and some questions to ask when shopping for auto insurance; and
- our free Policy Comparison Tool to do as many as five different side-by-side policy comparisons at one time.
With the Basics, Shopping Guide, and the side-by-side company comparisons, it is much easier to find which policy is right for you.