Can affordable auto insurance still offer quality coverage?
We all want to save on car insurance, but at RWM, we also want you to feel confident that you have the coverage you need. So, how can you ensure you're getting the right coverage at the best price when shopping for a car insurance quote? Take advantage of available discounts to increase your savings without sacrificing coverage. RWM offers over 20 discount options, and yes, you can stack them! Whether you're driving a sleek electric car or a spacious family van, everyone appreciates a better rate.
Ready to see what Farmers can do for you? Call us today. Our insurance experts are here to provide you with multiple coverage options and quickly answer all your questions.
Getting a Car Insurance Quote
Drivers and household details
Name and date of birth
Address and phone number
Driver’s license number
Household occupants (drivers and nondrivers), ages and driving history
Commute, including how many miles, how often, what hours
Bank account information
Vehicle information
Make, model, year
Vehicle identification number (VIN)
Vehicle purchase/lease date
Loan or lease documentation (if applicable)
Current insurance information
Current mileage/odometer reading
Car insurance coverage
With RWM, we can collaborate to help you select the coverage that best fits your needs. If you're unsure about the various auto coverage options or how much coverage you should have, we're here to guide you. Here are some of the most common coverages.
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Comprehensive coverage assists in covering losses or damage to your car resulting from incidents such as theft, vandalism, hail, wind, fire, and more.
Example: A sudden hailstorm cracks your windshield and dents the roof and hood of your car. Comprehensive coverage can help cover the damage caused by events other than a collision.
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If you're involved in an accident with another vehicle or object, collision coverage can help cover the cost of repairing or replacing your car.
Example: You lose control on an icy road and your car skids into a guardrail. Collision coverage can help pay for repairs to your vehicle or compensate you for its value if it's a total loss.
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Liability coverage, required by law in most states, helps cover the cost of injuries to others and damage to their vehicle or property when you're at fault in an accident.
Example: You cause a minor accident during rush hour. The other car is damaged, and the driver reports neck pain. Liability coverage can help pay for the driver's medical costs and vehicle repairs.
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Uninsured Motorist Bodily Injury (UMBI) coverage helps cover medical expenses if you or your passengers are injured by a driver who doesn't have insurance. Uninsured Motorist Property Damage (UMPD) coverage helps pay for repairs to your vehicle if it's damaged by an uninsured driver.
Underinsured motorist coverage assists with medical costs and property damage when the at-fault driver has insurance, but their coverage is insufficient to fully cover the damages.
Example: Another driver runs a red light, hits your car's rear fender, and you suffer minor injuries. Since the other driver is at fault and uninsured, your UMBI coverage can help cover medical expenses related to your injuries, up to the limits of your policy. Additionally, UMPD can assist with the costs to repair the damage to your car.
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If your car breaks down, roadside assistance coverage offers 24/7 support and helps cover the costs for services such as towing, tire changes, locksmith assistance, and jump starts.
Example: While on a family road trip to the beach, your car's battery dies. With roadside assistance, a service provider can come to your location to jump-start your battery, or help cover the cost of a battery replacement if needed.
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You can also include additional coverages like medical payments, rental car coverage, rideshare insurance, windshield repair or replacement, and other specialized options. Explore more types of insurance coverage to fit your needs.
Comprehensive coverage
Comprehensive coverage protects against losses or damage to your car resulting from incidents other than collisions, which is why it’s often referred to as “other than collision” coverage. If your car is stolen, damaged by a hailstorm, or affected by events such as fire, floods, vandalism, or encounters with wildlife, comprehensive coverage can assist in paying for repairs or replacing your vehicle.
Here are additional ways comprehensive coverage can help: