Auto Insurance
From daily drivers to collector vehicles and specialty filings, compare auto coverage options with a licensed insurance professional who can explain the trade-offs in plain language.
Auto coverage and specialty situations
Select a topic to see how the coverage works, what it typically includes, and which questions come up during underwriting.
- Personal AutoCoverage for the vehicles you drive daily, structured around your liability limits, deductibles, and the drivers in your household.Learn more
- Classic and CollectorCollector vehicles are usually written on a specialty form with an agreed value rather than the depreciating actual cash value used on daily drivers.Learn more
- High-PerformanceHigh-horsepower and exotic vehicles carry higher repair costs and higher liability exposure, so limits, valuation, and repair terms deserve extra attention.Learn more
- Electric VehiclesElectric vehicles introduce battery, charging equipment, and specialized repair considerations that a standard review can miss.Learn more
- Antique VehiclesAntique vehicles generally sit in their own eligibility class, often defined by vehicle age and very limited use.Learn more
- Non-OwnerA non-owner policy provides liability coverage for a licensed driver who regularly drives vehicles they do not own.Learn more
- SR-22 / FR-44An SR-22 or FR-44 is not insurance. It is a filing an insurance carrier submits to the state confirming that required coverage is in force.Learn more
- RideshareDriving for a rideshare or delivery platform creates gaps that a standard personal auto policy is not designed to fill.Learn more
- Mexico AutoDriving into Mexico generally requires liability coverage issued by an insurance carrier authorized in Mexico. A United States policy usually does not satisfy that requirement.Learn more
- GAP CoverageGAP addresses the difference between what a vehicle is worth at the time of a total loss and what you still owe on the loan or lease.Learn more
- Rental ReimbursementRental reimbursement helps with a temporary vehicle while your own vehicle is being repaired after a covered loss.Learn more
- Roadside AssistanceRoadside assistance covers common disablement events such as towing, jump starts, lockouts, and flat tires, based on the plan selected.Learn more
Compare common auto coverage paths
A high-level orientation only. Eligibility, coverage terms, and availability vary by insurance carrier and state.
| Attribute | Personal Auto | Classic and Collector | Rideshare | Non-Owner |
|---|---|---|---|---|
| Best suited for | Daily driven household vehicles | Show and pleasure-use collector vehicles | Drivers using an approved platform | Licensed drivers with no owned vehicle |
| Physical damage basis | Actual cash value | Agreed value | Actual cash value | Generally not included |
| Usage limits | No unusual limits | Mileage and use conditions apply | Platform periods define response | No owned vehicle contemplated |
| Typical add-ons | Rental, roadside, gap | Spare parts, inflation guard | Rideshare endorsement | Limited |
| Common eligibility question | Who drives the vehicle? | Is another vehicle available daily? | Which platform and what activity? | Is a household vehicle available? |
Swipe the table sideways to see every column.
Availability varies by state
State regulation notice
- No-fault states
- Personal injury protection replaces or supplements medical payments and changes how injury claims are handled.
- FR-44 states
- A small number of states use FR-44 filings, which generally require higher liability limits than SR-22 filings.
- Border states
- Travel into Mexico requires a separate policy issued by an insurance carrier authorized in Mexico.
Auto insurance terms
Definitions are general explanations for orientation. Your policy language controls.
Frequently asked questions
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Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.