How It Works
Tell us your state and how many points you are carrying
Get matched with carriers that go easier on point-heavy records
Choose coverage before the next ticket changes everything
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Insurance
Two or more vehicles on one policy, each with its own coverage level. The multi-car discount applies when all vehicles share the same garaging address and meet state minimum liability limits.
Liability Insurance
Covers injury and property damage you cause to others. Every vehicle on a multi-car policy must carry at least your state's minimum liability limits — bodily injury per person ranges from $15,000 to $50,000 across states.
Full Coverage Insurance
Liability plus collision and comprehensive on a single vehicle. On a multi-car policy, you can carry full coverage on one car and liability only on another while the whole policy earns the multi-car discount.
Uninsured Motorist Coverage
Covers you when the at-fault driver has no insurance. Required in 22 states. On a multi-car policy, uninsured motorist coverage applies per vehicle and must meet state minimums where mandated.
