Optional add-ons
Optional coverages
Options such as roadside assistance, rental reimbursement, new car replacement or custom equipment, where they fit your situation.
Auto insurance, made simple
Get the Right Auto Coverage at the Right Price.
Compare auto insurance options from multiple carriers and choose coverage that fits your vehicle, your needs, and your budget.
A licensed advisor, at no cost to youEvery kind of ride, coveredMultiple carriers compared for you
Auto coverage backed by carriers you know and trust
Everything you drive
One Agency. Every Kind of Ride.
From everyday cars and family SUVs to motorcycles, classic cars and more, OnePoint helps you explore coverage options for the vehicles you drive.
How it works
Best fit
Important to understand
Now showing . Everything here is tailored to it.
The right coverage is out there. Let's find it together.
Tell us what you drive and what you need. We’ll help you compare available options and understand your choices.
How coverage stacks
The Right Auto Policy Starts With the Right Coverage.
Auto insurance can include different types of coverage for different risks. Understanding your options can help you choose protection that fits your vehicle, your needs, and your budget.
The simple version
Two jobs. One auto policy.
Start here
Core auto coverages
Coverages such as liability, collision, comprehensive and uninsured motorist, subject to your policy terms and state requirements.
01Start with the coverages you need.02Add options only where they fit how you drive.
Coverage guide
What Can Auto Insurance Cover?
Auto insurance isn’t one-size-fits-all. Explore common coverage options and learn what each one is designed to help protect.
Liability
Helps pay for injuries or property damage you’re legally responsible for after a covered accident, up to your policy limits. Requirements vary by state.
Collision
Helps pay to repair or replace your vehicle after a covered collision, subject to your deductible and policy terms.
Comprehensive
Helps cover certain non-collision damage to your vehicle, such as theft, vandalism, hail, fire or falling objects, subject to your deductible and policy terms.
Uninsured motorist
Helps cover certain costs when an at-fault driver has no insurance or not enough to cover the damage, subject to your policy terms and state availability.
Medical / PIP
Helps pay certain medical expenses for you and your passengers after a covered accident, up to your selected limits. Availability varies by state.
Roadside assistance
Optional coverage that can help with towing, jump starts, flat tires, lockouts and fuel delivery, subject to plan terms and limits.
New car replacement
Optional coverage that may help replace a covered new vehicle rather than paying its depreciated value, subject to eligibility and policy terms.
Rental reimbursement
Optional coverage that can help pay for a rental vehicle while yours is repaired after a covered claim, up to your selected limits.
Accident forgiveness
An optional feature offered by some carriers that may help keep a first at-fault accident from affecting your premium. Availability and terms vary by carrier and state.
Custom car and equipment
Optional coverage that can help protect aftermarket parts, custom work and added equipment that a base policy may not include, subject to policy terms.
Getting covered
Getting Covered Starts With Four Simple Steps.
From telling us what you drive to choosing your coverage, we make the process clear from start to finish.
Get started
Fill out a quote form or call usReach out the way that is easiest. Share a few details about your vehicle and who drives it, and our team takes it from there.
Compare your options
We shop. You choose.We compare top-rated auto carriers for the right coverage, value, and discounts.
Select your coverage
Tailored. Clear. Confident.We walk you through your choices so you pick the protection that fits how you drive and your budget.
Get your policy
You're protected. We're here for you.Your policy is active and you are covered. Count on us for service and support whenever you need it.
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Licensed to Help Drivers Across 18 States.
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From the blog
Auto Insurance Tips Every Driver Should Know.
Get clear answers about coverage, claims, costs, common risks and the insurance questions drivers ask most.
There is no cost to request a quote or compare options, and no obligation to purchase. You decide whether an option makes sense for you.
It depends on your vehicle, driving history, location, coverage choices and the carrier, and rates change over time, so we cannot promise a number. Comparing options across the carriers we are appointed with can show you how pricing differs for your situation.
That is something we plan for. We help coordinate the start date of a new policy with the cancellation of the old one to avoid a gap between them. Effective dates are confirmed by the issuing carrier.
Carriers commonly offer discounts such as multi-car, safe driver, bundling, low mileage, good student and paperless. We review the discounts a carrier offers and help identify the ones you may qualify for. Availability and eligibility vary by carrier and state.
Not at all. Depending on your state and the carriers we are appointed with, we may also be able to help you explore coverage for classic cars, motorcycles, ATVs, RVs and trailers, boats, snowmobiles and scooters. Use the selector above to see each one.
In many states, carriers may use a credit-based insurance score as one rating factor, along with your driving history, location, vehicle, mileage, and coverage choices. We compare carriers because each weighs those factors differently.
It depends on the car's value, your deductible, and whether you could comfortably replace it after a total loss. We can compare the cost of comprehensive and collision coverage with the protection they provide.
Your liability coverage often follows you when renting a vehicle in the United States, and comprehensive or collision may extend if you carry them. Limits and exclusions vary, so review your policy before declining rental coverage.
Ready when you are
Ready to Find the Right Auto Coverage?
Tell us what you drive and what you’re looking for. OnePoint can help you compare available options and choose coverage that fits your needs.
One independent agency, 70+ carriers, 18 states. Real advisors who shop it for you and stay with you long after the policy starts.
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Contact
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