Auto Insurance That Actually Protects You
Most drivers are underinsured and overpaying. David compares rates and coverage across 30+ carriers to find a policy that truly protects you and not just the cheapest option.
What Auto Insurance Covers
Liability Coverage
Pays for injuries and property damage you cause to others in an accident. This is the foundation of every auto policy and is required by law in nearly every state. David recommends limits well above state minimums to protect your assets.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who is at fault. If you finance or lease your car, your lender will require collision coverage. David helps you choose a deductible that balances your premium with your out-of-pocket risk.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events including theft, vandalism, hail, falling objects, and animal strikes. Comprehensive coverage is essential for newer vehicles and is required by most lenders.
Uninsured/Underinsured Motorist
Protects you when the other driver has no insurance or not enough insurance to cover your damages. One in eight drivers on the road is uninsured. This coverage ensures you are not left paying out of pocket for someone else's mistake.
Rental Reimbursement & Roadside
Rental reimbursement pays for a rental car while your vehicle is being repaired after a covered claim. Roadside assistance covers towing, flat tires, lockouts, and dead batteries. Both add convenience and peace of mind for just a few dollars per month.
Common Auto Insurance Mistakes
David sees these mistakes every week. Don't let them cost you.
Carrying Minimum Liability
State minimums are dangerously low. A single accident can exceed your limits by tens of thousands of dollars, leaving you personally liable.
Skipping Uninsured Motorist Coverage
1 in 8 drivers has no insurance. If one hits you, uninsured motorist coverage pays for your injuries and damages. Without it, you're on your own.
Not Updating After a New Car
Your old policy might not adequately cover your new vehicle. Every time you buy or lease a car, David adjusts your coverage to match.
Choosing the Cheapest Policy Without Reading It
The cheapest policy is almost never the best value. David compares the actual coverage, not just the price, across 30+ carriers to find the best fit.
Frequently Asked Questions
At minimum, David recommends 100/300/100 liability limits, far above state minimums. If you have assets to protect, umbrella coverage adds another layer of security.
It depends on your policy. Some include rental reimbursement, others don't. David reviews your policy to make sure you're covered before you need it.
If you carry uninsured motorist coverage, which David always recommends, your own policy pays for your injuries and damages. Without it, you'd need to sue the other driver personally.
Yes, and bundling almost always saves money. David quotes home and auto together across 30+ carriers to find the best bundle rate.
Good driving record, bundling policies, raising deductibles, taking defensive driving courses, and switching carriers at renewal are all options. David handles the comparison work for you.
Stop Overpaying for Insurance You Might Not Even Have Right
Let David review your current policies, find gaps in your coverage, and show you where you could be saving money. It takes 15 minutes and costs nothing.
No cost. No obligation.
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