Your Car Insurance Policy
What are the most common types of car insurance policies?
Edited By Renata Balasco
What is an auto insurance policy?
Your car insurance policy determines your coverage and your premium. In short, it is a way to organize car insurance coverage options to meet your needs. In this article, we’ll outline some popular car insurance policy types as well as some popular policies that may not exist exactly as advertised.
Popular car insurance policy types
Below are some popular and standard car insurance policy classifications. You can purchase these policies from national and local insurance providers.
Company and state-specific policies
Below are policies often subject to state and company-specific requirements. These are not always available.
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RECENT QUESTIONS
Other people are also asking...
How many cars can I list under one insurance policy?
The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy. This does not mean t…
What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?
Good question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown:HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home and personal property are covered against losses that are expressly listed on yo…
I want to get my own car insurance, but my mom won't let me.
Because your mother has an umbrella policy through AAA, she is likely required to have you listed as a driver on her full coverage policy. This is a common requirement with car insurance carriers who offer umbrella insurance. The only thing you could do is have your mom check with AAA to see if the…
Is it mandatory to list my adult child on my policy?
Thanks for reaching out to The Zebra!This is actually a common concern for families. Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is that the company wants to know who they will and will not cover as a drive…
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
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- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.