Auto Insurance
Personal Auto Insurance
Auto Insurance That Fits Your Life and Budget
Protect yourself, your passengers, and your vehicle with coverage selected around your needs. Best Formula Insurance can help you compare auto insurance options from multiple insurance companies.
English and Spanish assistance available.
Multiple Insurance Companies
We help compare available options instead of limiting you to one insurance company.
Coverage for Different Drivers
Options may be available for experienced drivers, new drivers, families, and drivers with prior incidents.
Professional Policy Support
Our licensed team can help explain coverage, deductibles, policy changes, and available options.
What Can Auto Insurance Cover?
Your policy can include several types of protection. Coverage availability, limits, and requirements may vary by state and insurance company.
Liability Coverage
Helps pay for bodily injury or property damage you are legally responsible for after a covered accident.
Collision Coverage
Helps pay for covered damage to your vehicle after a collision, subject to your selected deductible.
Comprehensive Coverage
Helps protect your vehicle against covered non-collision losses such as theft, vandalism, fire, or weather.
Uninsured Motorist
May help protect you when an at-fault driver does not have insurance or does not carry enough coverage.
Medical Payments or PIP
Depending on the state and policy, this coverage may help with eligible medical expenses after an accident.
Roadside and Rental
Optional protection may include towing, roadside assistance, and rental reimbursement after a covered loss.
Not Sure Which Coverage You Need?
Our team can help you review liability limits, vehicle coverage, deductibles, and optional protection.
Auto Insurance for Different Situations
Your driving history and insurance needs are unique. Select the option that best matches your situation.
Everyday Auto Insurance
Coverage options for individuals, families, multiple vehicles, commuters, and customers looking to replace or compare an existing policy.
Need an SR-22?
Learn about proof-of-financial-responsibility filings and insurance options for drivers who have been instructed to obtain an SR-22.
Tickets, Accidents, or a Lapse?
Prior incidents do not automatically mean you are out of options. Let our team review available insurance solutions.
More Than Auto Insurance
Protect Your Auto and Home Together
Customers with a home, condominium, or renters policy may have additional insurance options when their personal policies are reviewed together.
Auto Insurance Resources
Use these dedicated resources to learn about state requirements, accident procedures, and insurance filings.
Were You Recently Involved in an Accident?
First, make sure everyone is safe and contact emergency services when necessary. Exchange information, photograph the vehicles and scene, and report the incident to the appropriate insurance company.
The insurance company’s claims department investigates the incident and determines coverage under the policy. Our agency can help you locate the appropriate claims contact information.
Auto Insurance Frequently Asked Questions
What information do I need for an auto insurance quote?
You may need driver information, dates of birth, driver’s license information, vehicle details, annual mileage, current insurance information, and your desired coverage.
What is the difference between liability and full coverage?
Liability coverage generally addresses covered injuries or property damage you cause to others. The term “full coverage” commonly refers to liability combined with comprehensive and collision coverage, although it does not mean every possible loss is covered.
Can I get auto insurance after a lapse in coverage?
Coverage options may still be available after a lapse. Pricing and eligibility can depend on the length of the lapse, your driving record, your location, and the insurance company.
Can you help with an SR-22?
Coverage options may still be available after a lapse. Pricing and eligibility can depend on the length of the lapse, your driving record, your location, and the insurance company.
Can I switch insurance companies while an SR-22 is required?
It may be possible to change insurance companies, but the new policy and filing should be active before the prior policy is canceled. Avoid creating a lapse in coverage.
Ready to Review Your Auto Insurance Options?
Start your quote online or speak with a Best Formula Insurance representative.