Classic & Collector
Agreed-value coverage for vintage, antique, and collector cars — with carriers who actually understand the hobby.
Auto insurance that doesn't take you for a ride.
We compare quotes from Progressive, Nationwide, Travelers, Safeco, and 26+ other top carriers — and pick the policy that actually fits your driving life and budget.
What's Covered
The coverages that actually matter — explained.
Auto policies are bundles of coverage layered together. We'll help you understand each one and decide which you really need (and which you don't).
- Liability — pays for damage and injuries you cause to others. Required in nearly every state.
- Collision — repairs your car after an accident, regardless of fault.
- Comprehensive — covers theft, vandalism, fire, hail, and falling objects.
- Uninsured/Underinsured Motorist — protects you if the other driver can't pay.
- Medical Payments / PIP — covers medical bills for you and your passengers.
- Roadside & Rental — towing, lockouts, and a rental car while yours is in the shop.
Specialty Auto
Whatever you drive, we'll find the right carrier.
Rideshare & Delivery
Drive for Uber, Lyft, DoorDash? Standard auto policies have gaps — we'll get you covered for the gig economy.
SR-22 / High Risk
DUI, multiple tickets, or a lapse in coverage? We work with carriers who specialize in high-risk drivers without gouging.
Motorcycle, RV, Boat
Recreational vehicle policies tuned for how (and where) you actually use them. Layup discounts available.
Gap Insurance
Owe more on your loan than the car is worth? Gap covers the difference if it's totaled — often cheaper than your dealer's offer.
Multi-Car & Bundle
Multiple vehicles, or auto + home? Bundling typically saves 10–25%. We'll quote it both ways so you can decide.
Save More
Discounts you might not know about.
Most drivers leave hundreds of dollars on the table because they don't know what to ask for. Here are the discounts we hunt for on every quote.
Safe driver
Clean record for 3–5 years can save 10–25%. Telematics programs can save even more if you're a good driver.
Multi-policy
Bundling auto with home or renters typically saves 10–25% on both policies.
Pay-in-full
Paying your premium up front (vs. monthly) can save 5–10%. We'll always quote both options.
Defensive driving
Some states offer 5–10% off for completing an approved defensive driving course. We'll tell you if yours qualifies.
Low-mileage
Drive less than 7,500 mi/year? Several carriers offer big discounts — and pay-per-mile policies can be even cheaper.
Anti-theft & safety
Alarms, tracking, automatic emergency braking, lane assist — modern safety tech often translates into lower rates.
Auto Insurance FAQ
Auto coverage, demystified.
How much auto insurance do I actually need?
State minimums are usually not enough — they're often $25K/$50K liability limits, which can be wiped out by a single ER visit. We typically recommend 100/300/100 minimum, and an umbrella policy if you have meaningful assets to protect. We'll model the right limits for your situation.
Will my rate go up if I switch carriers?
Usually not — and often the opposite. Carriers re-rate based on your current driving history, credit (in most states), and risk profile. If we shop the market and find you're already with the best carrier for your profile, we'll tell you to stay put.
Do I need full coverage on an older car?
If your car is worth less than ~$3,000, dropping collision/comprehensive often makes sense — you'd pay more in premium over a few years than the car is worth. We'll run the math with you so it's an informed call, not a guess.
What's the difference between actual cash value and replacement cost?
Auto policies almost always pay actual cash value (depreciated value) at total loss — not what you originally paid. That's why gap insurance exists for new cars: it covers the difference between ACV and what you owe on the loan.
Can I get coverage with a DUI or bad record?
Yes. We work with several non-standard carriers who specialize in high-risk drivers. Rates will be higher than for a clean record, but we'll find the most competitive option and re-shop annually as your record improves.