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Every state has different minimum requirements, typically for Liability coverage (Bodily Injury and Property Damage). However, state minimums are often too low to fully protect your assets. We generally recommend limits of at least 100/300/100 to ensure you are covered in a serious accident.

Collision covers damage to your vehicle if you hit another car or object (like a tree). Comprehensive covers non-collision events, such as theft, vandalism, fire, falling objects, or hitting an animal. If you are financing a car, your lender typically requires both.

In many cases, yes. Your comprehensive and collision coverage often extends to a rental car for personal use within the US and Canada. However, you should always double-check with your agent before declining the rental company's insurance, as there may be exclusions for "loss of use" charges.

There are several ways to save:

• Bundle your auto and home/renters policies.
• Increase your deductible (e.g., from $500 to $1,000).
• Ask about discounts (Safe Driver, Good Student, Low Mileage).
• Maintain a good credit score.
• Shop around and compare quotes annually.

Rates can increase due to "rate revisions" affecting your entire zip code or state. This happens if there are more claims, higher repair costs (inflation), or increased severe weather events in your area. Additionally, changes in your credit score or moving to a new address can impact your specific rate.

1. Ensure everyone is safe and call 911 if there are injuries.
2. Move to a safe location if possible.
3. Exchange information (Name, Insurance, Phone) with other drivers.
4. Take photos of the scene and damage.
5. File a police report.
6. Contact your insurance company to start a claim.