Liability Limits
The part that pays for damage you cause to other drivers and their cars. Low limits leave the rest of that bill to you.
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Know Your PolicyBefore You Need It
See what each part of an auto policy does before you pay for it.
Get startedWhat Goes Into Your Policy
Six parts worth choosing on purpose
Collision Damage
Repairs to your own car after a crash, no matter who caused it. You choose the deductible that comes off the top first.
See the detailsTheft, Hail and Fire
Damage with no crash involved: a stolen truck, a cracked windshield, a hailstorm, or a fire that starts in your garage.
See the detailsUninsured Drivers
When the driver who hit you carries no policy, or a thin one, this is the part that steps in and pays out on your side.
See the detailsDeductible Choices
The amount you pay before your policy pays out. Raising it lowers your premium, and the gap is worth seeing in numbers.
See the detailsRenewal Check
A policy built around the car you used to drive may not fit the one you own now. Each renewal is a chance to adjust it.
See the detailsWho You Are Dealing With
One person, from the first quote to a claim
AutoClara is just me. When you send over a policy or a quote, I go through it myself, call you back and stay on the file if a claim ever comes up. There is no hand-off to a call center and nobody working from a script.
Most of the work happens before you buy. You tell me how the car is used, who drives it and what you could afford to pay after a crash. From there, the limits, deductibles and extras are yours to pick, with the trade-offs written out beside each one.
More about how I work
Bring the Policy You Already Have
The quickest way to find out what fits
Send over what you carry now, or a quote you are weighing up, and I will mark it up for you: the parts worth keeping, the parts worth changing, and the numbers behind each one.
Start nowNot Decided Yet? Ask First
The questions that come up before signing
The legal minimum keeps you on the road, but one serious crash can cost far more than it pays. Most drivers do better with higher limits, and the jump in premium is usually smaller than they expect. Send me your current numbers and the difference is easy to show.
Only if you could pay that amount tomorrow without stress. A higher deductible trims the premium, but the saving means little if a fender bender turns into a bill you cannot cover.
That depends on what the car would pay out and what a replacement would cost you. Once repair cover costs close to what the car is worth, carrying liability alone can be the better choice.