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Independent educational guide
Learn what common coverage types mean, which factors can affect cost, and how to compare licensed providers. ALTFTool does not sell insurance or provide quotes.
Coverage basics
Requirements and availability depend on your state and policy.
Pays for injuries or property damage you cause to other people, subject to policy limits and state rules.
Pays to repair or replace your vehicle after a covered collision, minus your deductible.
Covers eligible non-collision losses such as theft, fire, hail, vandalism, or animal strikes.
May help when an at-fault driver has no insurance or insufficient coverage; availability varies by state.
Can cover eligible medical costs for you and passengers regardless of fault, depending on your state and policy.
Roadside assistance, rental reimbursement, and similar extras are separate from core coverage.
Good to know
Insurers weigh these factors differently and state rules vary.
Comparison checklist
Use the same limits, deductibles, and optional coverages for every comparison.
Keep vehicle, mileage, driver, and current-policy information ready, but share it only with a provider you choose.
Review written terms from licensed insurers or agents instead of relying on a headline price.
Check licensing and complaint information with your state insurance regulator.
Confirm the new policy is active before cancelling an existing policy.
Questions
State minimums are legal requirements, not personalised recommendations. Consider your assets, vehicle value, ability to pay a deductible, and the cost of a serious claim, then confirm current rules with your state insurance regulator or a licensed professional.
General educational information only — not insurance, legal, or financial advice. Verify current requirements with your state regulator and read the policy itself.