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Car insurance that fits your needs! We offer auto insurance coverage to fit your needs, no matter what life stage you are in! Whether you are insuring new drivers or adding more cars and coverages, we can help keep you covered.
Platinum Auto Essential
Your base car insurance policy features:
|Waiver of Deductible
Hail storm damage to your two cars? Fire damage to your garage, car and home? Worried about paying multiple deductibles? No problem. With this feature, you’ll only pay one deductible when a single loss affects multiple properties, which could save you up to hundreds of dollars.¹
|Child Passenger Restraint System Replacement Coverage
Helps replace a child car seat if damaged during a covered loss, up to $300 with no deductible.
|Original Equipment Manufacturer (OEM) Parts
Provides coverage for OEM parts for the current and two previous model years of your covered vehicle.
|Mechanical Parts Replacement
Coverage for mechanical parts (e.g., non-body related auto parts such as tires and batteries) without deduction for depreciation.
Ultimate Rental expands your Transportation Expense coverage; pays your daily rental limit for as long as it takes to repair or replace your vehicle, up to $3,000.
|Vehicle Key Replacement Coverage
Provides up to $250 coverage for lost, broken, or stolen keys.
|Excess Custom Equipment
Up to $1500 for custom equipment such as accessories or devices installed by someone other than the manufacturer. Additional available up to $40K.
|Excess Electronic Equipment
Up to $1000 for permanently installed electronic equipment not original to the vehicle. Additional coverage available up to $20K.
Optional bundles for increased protection
|Platinum Auto Advantage
Looking for more protection to fit your needs? Platinum Auto Advantage includes:
|New Car Replacement Coverage
Feel confident when buying or leasing that new car. With New Car Replacement Coverage, if your new car is totaled within one year or 15,000 miles of purchase, whichever comes first, we’ll cover its replacement without deduction for depreciation.
|Newer Car Replacement
Don't have a brand new car? With Newer Car Replacement, if your car is declared a total loss, we will pay in cash, less any applicable deductible, the actual cash value of the same make, model, and equipment of a vehicle one model year newer than the vehicle which was declared a total loss. The payment will not exceed 120% of the actual cash value of the vehicle declared a total loss.
|Second Chance Accident Forgiveness
Accidents happen and when they do, good drivers shouldn’t be penalized. With Second Chance Accident Forgiveness, your first surchargeable accident in any 36-month period will be forgiven. That means no surcharge points on your policy for that accident and no increase in premium as a result of that accident.
Deductible Dividends means immediate rewards, because your collision deductible is reduced as soon as the endorsement is added to your policy. Over the course of five years, this could save you up to $500 off your deductible! (A minimum deductible of $100 applies in the event of a loss.)
|Platinum Auto Elite
We bundled some of our most popular coverages for the best value!
|Pet Injury Protection
Helps ease the financial burden if your dog or cat is injured in a car accident. Covers up to $500 in veterinarian bills and up to $500 for burial/disposal expenses if your dog or cat passes on in a covered loss as a result of the accident.
|Rental Car Coverage
With this feature, if you have an accident in a rented auto, we will pay (in addition to paying for the damage to the rented auto):
Vacations cost enough. Why pay more if your car gets damaged and can’t be driven? When you have a covered loss and are 100+ miles from home, this coverage provides reimbursement up to $1,000 for reasonable and necessary expenses, including:
|Rental Coverage Upgrade
Lets you choose from a “luxury” car or “large SUV” fleet while your car is repaired, after a covered accident, from our preferred rental provider. Why settle for less of a car than your own?
|Home Care Services
If you’re hurt in an auto accident, Home Care Services takes the worry out of managing your home during recovery. If you are unable to perform home-based “essential services” while you recover, Home Care Services pays up to $2,500 (maximum of $500 per month) for services such as:
|Accidental Airbag Deployment
If your manufacturer installed airbag deploys in an event not related to a collision or comprehensive loss, the cost of reinstalling your airbag is fully covered. No deductible applies.
|Accidental Death Benefit
Pays $10,000 for each Insured or family member whose death results from an auto accident involving your covered auto—provided they were wearing a seat belt at the time.
Four à la carte endorsement options
Add any or all of these additional endorsements to your Platinum Auto policy.