Quality and affordability, built around you
A daily-driver policy still has real decisions in it — the right liability limits, whether an umbrella makes sense, how med pay and UM/UIM are set up, and which carrier actually prices your specific car, driving history, and household the best. Our job is to walk you through those options and shop them across multiple carriers, so what you end up with is genuinely tailored to your needs — quality coverage at a price that makes sense, not a generic policy off a shelf.
Browse by make
We're building out a dedicated page for every make we work with. Start with the one that matches your car — the rest are on the way.
Acura
ADX, Integra, TLX, RDX, MDX, and ZDX — Acura's daily-driver sedan and SUV lineup.
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Alfa Romeo
Giulia, Stelvio, Tonale, and the Junior — Alfa Romeo's current sedan and SUV lineup.
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Audi
A3, A5, A6, A6 e-tron, Q3, Q4 e-tron, Q5, Q6 e-tron, Q7, Q8, and e-tron GT — Audi's full sedan, SUV, and electric lineup.
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BMW
2, 3, 4, 5, and 7 Series, X1-X7, and the i4, i5, i7, iX, and XM electric models — BMW's full daily-driver lineup.
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Buick
Envista, Encore GX, Envision, and Enclave — Buick's full SUV lineup.
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Cadillac
Escalade, CT4, CT5, XT4, XT5, XT6, and the growing Lyriq/Optiq/Vistiq/Celestiq electric lineup.
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Chevrolet
Silverado, Equinox, Traverse, Tahoe, Suburban, Colorado, Blazer, and Malibu — Chevrolet's daily-driver lineup.
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Chrysler
Pacifica and Voyager minivans, plus the discontinued-but-still-common 300 sedan.
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Dodge
Durango, the new Charger and electric Charger Daytona, and the long-running Grand Caravan — Dodge's daily-driver models.
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Ford
F-150, Explorer, Escape, Bronco, Maverick, Expedition, Ranger, and the electric Mustang Mach-E — Ford's daily-driver lineup.
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Genesis
G70, G80, G90, GV60, GV70, and GV80 — Genesis's luxury sedan and SUV lineup.
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GMC
Sierra, Canyon, Yukon, Acadia, Terrain, and the electric Hummer EV — GMC's daily-driver lineup.
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Honda
Civic, Accord, CR-V, HR-V, Pilot, Passport, Ridgeline, Odyssey, and the electric Prologue — Honda's full daily-driver lineup.
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Hummer
H2 and H3 — the original Hummer brand's daily-driver lineup through its 2010 discontinuation. The rare H1 is a collector vehicle, covered on our exotic hub.
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Hyundai
Elantra, Sonata, Venue, Kona, Tucson, Santa Fe, Palisade, and the Ioniq electric lineup.
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Infiniti
QX50, QX55, QX60, and QX80 — plus the discontinued-but-still-common Q50 sedan.
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Jaguar
Recently discontinued F-Pace, XE, XF, and F-Type, plus the upcoming all-electric Type 01 GT.
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Jeep
Wrangler, Grand Cherokee, Wagoneer, Gladiator, and Compass — Jeep's daily-driver lineup.
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Kia
K4, K5, Sportage, Sorento, Telluride, EV6, and EV9 — Kia's daily-driver lineup.
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Land Rover
Defender, Discovery, Range Rover, Range Rover Sport, Evoque, and Velar.
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Lincoln
Corsair, Nautilus, Aviator, and Navigator — Lincoln's current SUV lineup.
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Toyota
Camry, Corolla, RAV4, Highlander, Tacoma, Tundra, 4Runner, Land Cruiser, Prius, Sienna, and the rest of Toyota's daily-driver lineup.
Click to learn more →Don't see your make? Ask us — we cover a wide range beyond what's listed here.
A sporty or luxury car as a daily driver deserves the right, quality insurance to fit your needs and budget
Plenty of daily drivers aren't basic commuter cars — a BMW M, Mercedes-AMG, or loaded luxury SUV can absolutely be an everyday, daily-driver vehicle rather than a garage-kept collector piece, and it deserves coverage that actually fits that reality. A few things worth getting right:
Advanced safety & driver-assistance systems
Higher trims and luxury models often carry more cameras, radar, and sensors than a base model, and a windshield or bumper repair can mean a full recalibration. Worth confirming your policy and repair shop both account for that added cost and complexity.
Gap & new-car replacement coverage
A new or recently financed sportier or luxury vehicle often depreciates faster in raw dollar terms than an economy car, making gap coverage or new-car replacement coverage worth a real look rather than relying on comprehensive and collision alone.
Higher-cost parts & specialized labor
Performance and luxury trims frequently call for OEM or brand-specific parts and technicians familiar with the platform, which can affect repair timelines and total-loss thresholds compared to a mainstream trim.
Multi-vehicle & multi-policy discounts
Households running a sportier or luxury daily driver alongside other vehicles, or bundling with home or umbrella coverage, are often eligible for meaningfully better account-level pricing than insuring the car on its own.
And however you actually use the car — daily driver, commute, pleasure, or blended-use, as covered below — that usage still shapes the right coverage just as much as the vehicle itself. If your car is agreed-value, track-driven, or otherwise genuinely collector-grade rather than a daily driver, that's covered in more depth on our Exotic & Collector Vehicles hub instead.
Coverage built around how you actually drive
How a vehicle is used changes what it should be rated and covered for — and this applies whether you need a personal policy, a commercial policy, or both. A few terms worth knowing:
Daily driver
The vehicle you rely on for regular day-to-day transportation — errands, appointments, general use. This is the most common use type and the baseline most personal auto policies are built around.
Commute use
A vehicle regularly driven to and from a workplace or office. Commuting typically adds more consistent mileage and more time on higher-traffic routes than pleasure use alone, and carriers ask about it specifically when rating a policy.
Pleasure use
A vehicle driven occasionally, for leisure or errands, that isn't used to commute to work. Lower typical mileage can mean different rating than a daily driver or commuter vehicle.
Blended-use
A vehicle used for both personal, everyday driving and business or commercial purposes — client visits, deliveries, hauling equipment, and similar. Blended-use often needs to be disclosed and rated differently than a purely personal vehicle, sometimes calling for a commercial or hybrid policy alongside personal coverage.
Whichever category fits — or if your household or business uses a mix of all four — tell us about it below and we'll build the right coverage around it.
Tell Us About Your Vehicle(s) & How You Use Them
Enter each vehicle's year, make, and model, how it's primarily used, and how to reach you — an agent will call you with a quote.
Requesting a callback may include a soft credit inquiry used to help provide accurate pricing. A soft inquiry does not affect your credit score and isn't visible to other lenders or creditors. We only collect your name, phone number, and email address here — an agent will gather any additional details by phone.
An independent brokerage, not a single carrier
We're not captive to one insurance company. That independence is the point: our only job is finding you the right coverage at the right price, then advocating for you if you ever need to use it.
Access to multiple carriers
We shop coverage across a range of carriers instead of pricing everything through one company's rate table, so you see real options instead of a single take-it-or-leave-it quote.
Bundle for a better rate
Combine your daily driver vehicles with your home, umbrella liability, an exotic or collector car, and — where it applies — your business insurance. Carriers price account relationships, and that often means meaningfully better terms across the board.
How much liability coverage is actually enough?
Many people size their liability limits off habit or a state minimum, not off what a real claim costs. A short self-assessment gets you closer to the right number than a guess does.
Net worth, today and soon
Umbrella coverage is generally sized to at least match your net worth, plus a buffer for a few years of future income — a judgment can reach earnings as well as assets. Many umbrella policies start at $1 million and step up from there.
How the car actually gets used
Teen drivers, long commutes, track days, towing, ride-share, or business use all raise the odds and cost of a serious claim, and should push liability limits higher than a car that rarely leaves the garage.
Other liability exposure around your life
Pools, trampolines, dogs, rental property, and hosting large gatherings all add liability exposure that an umbrella policy sits on top of — not just your cars.
What a serious claim actually costs
The average bodily injury liability claim runs roughly $26,500, and severe-injury or multi-vehicle claims run well past that. State minimum limits were set decades ago and haven't kept pace.
Where your auto policy's limit actually stops
If a judgment exceeds your auto liability limit, the difference can come out of your other assets and future income — this is the gap an umbrella policy is built to close.
What you're already bundling
Combining home, auto, and umbrella with one carrier often improves umbrella eligibility and pricing, and is worth asking about regardless of which carrier ends up writing each piece.
Liability & Umbrella Estimator
A quick, educational starting point based on the common "net worth plus income" approach umbrella carriers use. This isn't a quote or personalized advice — just a number to bring into the conversation.
Your estimate
Approximate assets a judgment could reach:
Suggested starting point for umbrella coverage:
Umbrella policies generally require underlying auto liability limits of at least $250,000/$500,000 (or a $300,000+ combined single limit) to attach — worth checking against what you carry now.
Why this matters: in a lawsuit following a serious accident, courts can compel discovery of bank and investment account records to determine what's actually collectible — exposure isn't limited to what your auto policy pays out. Adequate liability and umbrella coverage is what stands between a judgment and wage garnishment or forced liquidation of these assets. This calculator is an educational estimate, not a quote or a substitute for personalized advice — the right number depends on specifics we'd go over together.
| Claim type | Average cost |
|---|---|
| Bodily injury liability claim, all passenger vehicles | ~$26,500 |
Source: Insurance Information Institute, Facts + Statistics: Auto Insurance (iii.org). Figures represent average claim severity and vary by state, injury severity, and number of parties involved.
The line items on your policy that actually matter
A few coverages get bundled into an auto policy without much explanation. Here's what each one actually does.
Uninsured (UM) vs. underinsured (UIM) motorist coverage
UM steps in when the at-fault driver has no insurance at all, or leaves the scene. UIM steps in when they have insurance, but not enough to cover what you're owed. Many states require one or both, and the two are easy to confuse because they solve overlapping problems with different triggers.
Personal injury protection (PIP)
Twelve states require PIP, which pays medical costs — and often lost wages — regardless of fault. Colorado isn't one of them, but it matters if you spend time in, or move to, a state that requires it, or insure a vehicle registered elsewhere.
Medical payments coverage (Med Pay)
Optional in many states and inexpensive to carry, Med Pay pays medical bills for you and your passengers regardless of fault, with no deductible. A reasonable starting point is matching it to your health insurance deductible, so an accident doesn't leave you paying that deductible twice.
Accidental death coverage on an auto policy
A modest, inexpensive add-on — commonly $5,000–$15,000 in benefit — that pays out if a covered accident causes a death. It's not a substitute for life insurance, but it's a low-cost layer worth knowing is available.
The coverages that matter most when something actually goes wrong
These rarely come up until you need them — which is exactly when it's too late to add them.
Loss of use vs. rental reimbursement
Rental reimbursement is coverage on your own policy that pays toward a rental car while yours is repaired after a covered claim, regardless of fault, up to a daily and total cap. Loss of use is different — it's your right to be compensated by an at-fault driver's insurer for the time you're without your car, and it isn't limited to a rental. You can have both, but you can't collect on both for the same loss.
Gap coverage — and early lease turn-in
Gap coverage pays the difference between what you owe on a loan or lease and what the car is actually worth if it's totaled or stolen, which matters most early in a loan or lease with a low down payment. Some policies go further and help with early lease-turn-in charges, which basic gap coverage doesn't always touch.
New car replacement vs. gap coverage
Gap coverage pays your lender or lessor. New car replacement coverage pays you, for a brand-new equivalent vehicle rather than its depreciated value. They solve different problems and are often worth carrying together on a financed or leased vehicle.
What your homeowners policy covers that your auto policy doesn't
If something is stolen out of your car, it's typically your homeowners or renters policy — not your auto policy — that covers the personal property, usually under an off-premises limit worth confirming ahead of time. Your auto policy covers the broken window; your home policy covers what was taken.
Trip delay, interruption, and cancellation are three different things
Trip cancellation covers prepaid costs if you cancel before a trip starts. Trip interruption covers the cost of getting home — plus lost prepaid costs — if a trip is cut short after it begins. Trip delay covers incidental costs like meals or a hotel night when you're stuck somewhere past a period the policy defines. Worth a look any time a car show, auction, or delivery trip involves real travel.
Auto glass isn't just glass anymore
Many current vehicles carry cameras and sensors built into or around the windshield for automatic emergency braking, lane keeping, and adaptive cruise control. Research from the AAA Foundation for Traffic Safety estimates these systems could prevent roughly 40% of crashes, 37% of injuries, and 29% of deaths at full deployment — but only if they're working correctly. A windshield replacement on a car with these systems typically requires a separate recalibration step afterward, and it's worth confirming your policy and repair shop both account for it.
Sources: AAA Foundation for Traffic Safety, research on large-scale deployment of advanced driver assistance systems; Insurance Information Institute; state personal injury protection (PIP) requirements per state department of insurance rules.
A few things that trip people up
These come up less often, but each one can change what you pay or whether you're even eligible for coverage.
A vehicle's own damage history matters, not just yours
Two examples of the same year, make, and model can carry very different insurance costs if one has a branded or salvage title, or documented major prior damage. Carriers underwrite the specific vehicle, not just the driver — a rebuilt or previously damaged car often costs more to insure, or is limited to actual-cash-value coverage rather than full comprehensive and collision.
SR-22 — what it actually is
An SR-22 isn't a type of insurance; it's a certificate your insurer files with the state confirming you carry the minimum required liability coverage. States typically require one after a DUI, a suspended license, an at-fault accident without insurance, or too many violations, generally for about three years. We write SR-22 policies and handle the state filing directly.
International driver's licenses
Holding a foreign license or international driving permit doesn't rule out US coverage. We write policies for drivers on a valid foreign license or IDP, using the documentation carriers require — typically the license itself, a passport, and proof of state residency.
Get your daily driver vehicle covered correctly
Tell us about your car — make, model, year, how you use it, and anything else worth knowing — and we'll put together coverage shopped across multiple carriers.