Auto Insurance Overview

What It Covers, How to Save, and Why It Still Matters Even If You Drive Less

As we age, we often drive less — but that doesn’t mean auto insurance becomes any less important. Whether you’re still behind the wheel daily or just use your car for errands, having the right auto insurance protects you from big financial headaches in case of an accident.

🚧 What Does Auto Insurance Cover?

Most auto policies are made up of several standard parts:

✅ Liability Coverage (Required in all states)

Covers damage or injuries you cause to others.

• Bodily Injury Liability – Medical expenses for others if you’re at fault.

• Property Damage Liability – Covers damage to someone else’s car or property.

✅ Collision Coverage

Covers repairs to your own car after a crash, even if you're at fault.

✅ Comprehensive Coverage

Covers damage from non-collision incidents like:

• Theft or vandalism

• Fire

• Falling objects

• Hail or storm damage

• Hitting a deer

✅ Uninsured/Underinsured Motorist

Covers you if the other driver doesn’t have insurance or enough to cover the damage.

✅ Medical Payments (MedPay) or Personal Injury Protection (PIP)

Pays for your medical bills after an accident, regardless of who was at fault.

🧠 Common Questions

“I barely drive — can I reduce coverage?”

Yes! Consider:

• Low mileage discounts

• Usage-based insurance (tracks how much and how safely you drive)

• Removing collision coverage if your car is older and not worth much

“What’s the difference between liability and full coverage?”

Liability = Only covers damage you cause to others.

Full coverage = Liability + collision + comprehensive.

** This term is often NOT used by insurance agents. Full Coverage is NOT a standard insurance term due to the difference in meaning across different consumers.

“Does my insurance cover a rental car?”

Typically no, unless you’ve selected this coverage.

Most policies only pay for a rental after a covered claim (like an accident), and only if you've added rental reimbursement to your policy.

Always double-check before renting!

📌 Helpful Tip:

You can often save money by bundling your auto + homeowners or renters insurance with the same company.

🤝 Need a policy check-up?

Let’s review your policy together to make sure you’re covered for what really matters — and not overpaying.

Book an Insurance Review Here