Does liability insurance cover damage to my own car?
That is not its primary purpose. Ask which coverage would address damage to your vehicle and how collision and comprehensive coverage differ in the proposal you are reviewing.
For individuals and families
Auto insurance
Understand liability, collision, and other coverage types before comparing options for your vehicle.
Start with your needs.
Auto insurance can include several kinds of protection. Liability coverage addresses certain injuries or damage you cause to other people. Collision coverage relates to damage to your vehicle from a crash, while comprehensive coverage can address events such as theft or fire, subject to the policy. Each serves a different purpose.
Prepare for your conversation.
Prepare general information about your vehicle, who drives it, and how it is used. Ask about limits, deductibles, and exclusions, and compare proposals using the same coverage selections. If you finance or lease the vehicle, also review your contract requirements before choosing an option for your car.
Frequently asked questions.
What is a deductible?
It is the portion of a covered loss you are responsible for under the policy. When comparing options, check which deductible applies to each coverage and what you could afford to pay.
Which changes should I discuss when reviewing my policy?
Mention changes to your vehicle, drivers, or vehicle use. Ask how they affect coverage and confirm the proposal reflects your information before making a decision.
Take the next step.
Talk about your coverage
Tell Safeguard and Associates your state and the coverage category that interests you. Share only general information in the form.
Start a conversationAre you an agent?
Discuss your license, state, and product interests.
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