Coverage varies by policy but common types include:

• Liability coverage — pays for damage or injury you cause to others.

• Collision coverage — covers damage to your vehicle from a crash.

• Comprehensive coverage — covers non-collision damage (theft, fire, vandalism, etc).

• Uninsured/Underinsured motorist coverage — protects you if the other driver has little or no insurance.

• Plus optional add-ons: rental reimbursement, roadside assistance, etc.

Many factors: your driving record, age, where you live, the make/model of your vehicle, how much you drive, your coverage limits/deductible, and discounts you qualify for.

Sometimes, yes. Some policies cover “permissive drivers” (someone you’ve allowed to drive your car). But coverage may differ if the driver is excluded, uses the car for commercial purposes (like rideshare), or if your policy has special restrictions.

If your liability coverage ends, you risk fines, license/registration suspension, or being uninsured (which means you could be personally liable for damages).

We have personal auto plans available in Pennsylvania, New Jersey, Delaware, Maryland, Illinois and Florida.

We offer plans with Travelers, Progressive, National General, Geico, Bristol West and Embark (carrier availability can vary by state).