Vehicle insurance is not only required by the law but also is a choice to save more!
Our multiple insurance companies and agents provide you many types of vehicle insurance coverage. The coverages are
varied by state; therefore, we work with many licensed agents from different states who offer the best coverages and rates
to save you the most!
On InsureHopper, you have different coverage options depending on the type of Insurance. Our
affiliated agents could
give you the most accurate insurance rates on the policies you want to get a quote, depending on your need.
Vehicle Insurance is a type of property insurance designed to cover privately owned vehicles that are solely intended for personal use only. This insurance could provide financial protection against losses the vehicle might incur from traffic collisions.
Also, it could provide financial protection against losses resulting from any incidents in a vehicle. However, coverage may apply only if the incidents are due to covered perils only.
Vehicle insurance could also provide financial assistance to the liability of the insured, which results in bodily injury and property damages. Most importantly, this insurance includes coverage for the loss of use, medical payments, and roadside assistance. Generally, coverage may vary by policy.
Contact our affiliated licensed insurance agents should you have questions regarding the different types of Vehicle Insurance.
Collision CoverageCollision Insurance is a type of Vehicle Insurance coverage that would pay for the repair of the vehicle of the insured. However, coverage may apply if the losses incurred were due from colliding with another vehicle. Also, colliding with other objects and overturning of the vehicle can be applicable for coverage. In addition, collision coverage may also provide for the replacement of the vehicle, if in any case, it incurs a total loss.
Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)Uninsured Motorist (UM) is a driver without an auto insurance policy. Underinsured Motorist is a driver with an insurance policy but does not have enough liability coverage to cover its liability to another person. If, in any case, the insured motorist encounters accidents due to the above drivers, this coverage may apply.
Comprehensive CoverageComprehensive coverage covers damages to your vehicle caused by insured incidents like theft, vandalism, or hail that are not associated with a crash.
Liability Coverage (Property Damages)This coverage may pay for the liability of the insured that results in property losses to others. As similar to Bodily Injury Insurance, Property Damage Liability coverage may only apply if the insured is held liable for the damages.
Liability Coverage (Bodily Injury)Bodily Injury liability coverage may help pay for the treatment of the injury of another person. However, coverage may only apply if the insured is legally at fault for the injuries resulting from the car accident. A standard policy structure has X/Y/Z liability limits, which cover up to X for injuries per person. Y for injuries total, per accident, and Z for property damage per accident.
Collision Deductible Waiver CoverageCollision Deductible Waiver (CDW) is a type of coverage that could help pay for the deductibles of your collision coverage. This coverage may apply if the insured has to use Collision Coverage because the person at-fault does not have a Vehicle Insurance policy.
Combining Home and Auto Insurance From the Same Insurer
Available to Young Full-Time Students with a minimum GPA of 3.0
Safe Drivers with at least 3 Years of Driving Without Accident and Major Violations
Drivers who Pass a State-Approved Safety Course with a Minimum Score of 55
Drivers who their Spouse, their Parents or Themselves are Serving, or have Served, in the US Military.
Using an Equipped Vehicle with Certain Anti-Theft or Anti-Lock Devices
Skilled workers who have a high Years of Experience Working in a Career
Drivers who enroll in the Certified Miles Program and use Telematics Devices