Car insurance coverage types
Car insurance is only as good as your car insurance coverages.
We help make choosing, using, and accessing your policy simple. Check out our list of types of car insurance coverage to find what works best for you, then get a quote online or speak with one of our agents.
CoveragesAdd-on servicesPolicy tools
What are the different types of car insurance coverage?
No specific type of car insurance can prevent an accident, but they can help cover the medical bills and repair costs if you’re involved in an accident. The main options for car insurance include the following. Each of these car insurance coverage options is explained in more detail below.
- Liability insurance
- Uninsured/underinsured motorist insurance
- Collision and comprehensive insurance
- Medical payments and personal injury protection (PIP)
Elephant car insurance coverage options
Elephant offers all state-required car insurance coverage options and a few others to offer you even more protection. Depending on where you live, you may be required by state law to buy certain car insurance coverage options, including liability and uninsured motorist insurance.
Car insurance coverage add-ons
Elephant offers additional car insurance add-ons to broaden your protection from the unexpected. These types of car insurance add-ons offer convenience and value when you need it at an attractive price.
Policy tools for your car insurance coverage
Elephant provides helpful tools to make managing your car insurance coverage easy. From filing a claim to scheduling payments, we have convenient car insurance coverage options for you.
Find reliable car insurance coverage With Elephant Insurance
Elephant provides a wide selection of car insurance coverage and add-on services to ensure you have what you need. If you’re not sure which coverages are right for you, check out our Coverage Wizard for insights into most coverages. Join the Herd and get an online car insurance quote today!
Types of car insurance discounts
Want to save even more on your car insurance coverage? We know that every dollar counts, so we offer a number of car insurance discounts to help you save money. Whether you have more than one vehicle or plan to bundle your homeowners and auto insurance policy, or you’re insuring a good student, we have a discount for you.
Frequently asked questions about car insurance coverage
The following questions provide information about car insurance coverage.
Which type of car insurance is best?
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Like many things, car insurance is not “one size fits all.” That’s why it’s important to know how it works. Here are some questions to consider when shopping for car insurance.
- What car insurance coverages are required where I live?
- What is the right amount of liability insurance to protect me and my assets?
- Am I sufficiently covered?
- Even if it’s not required in my state, should I get uninsured motorist coverage?
- I’m financing my car- will I need comprehensive and collision insurance?
- Are there additional auto insurance discounts I can get?
- How much are my deductibles?
- Am I covered if my car is stolen?
What is the most common type of car insurance?
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The most common type of car insurance is liability coverage since most states require liability coverage. Liability helps pay for damages and medical bills to the other party if you’re at fault in an accident.
What other car insurance coverages should I add?
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There are other car insurance coverages that, while they may not be required, are advisable to consider adding for additional protection and to avoid unexpected costs should you find your car damaged in an accident. Some of these include:
What car insurance discounts are available?
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Elephant has lots of car insurance discounts available to help you save, including our multi-car discount, Work from Home Discount™, and early bird discount to name a few. Check out car insurance discounts to learn which of our discounts works best for you.
Which type of car insurance is required by law?
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Car insurance requirements by state can vary. Most states have minimum requirements for liability coverage, but there are a number of other car insurance coverages that may be required by a state. Coverages that may be required include:
- Liability insurance
- Uninsured/underinsured motorist (UM/UIM) coverage
- Personal injury protection (PIP)
- Medical payments (MedPay)
Coverages that are not required by state law, but may be required by your lender or lease company include:
- Comprehensive coverage
- Collision coverage