This coverage provides additional financial protection for your car and your possessions in it. “Total loss plus” coverage is similar coverage but for vehicles that no longer qualify for auto replacement coverage. Safe Auto also sells the following optional types of car insurance: Auto replacement cost and total loss plusĪuto replacement cost coverage will cover the cost of a new car if you have a newer vehicle (within the last two model years) totaled in an incident covered by your coverage, such as a fire. $25,000 emergency Ambulance coverage limit.$500 locksmith or key replacement limit.State Auto’s AutoXtended Premier package offers your main car insurance coverages, all of the benefits included in AutoXtended Plus as well as expanded, higher limit coverages of: Ability to add full safety glass coverage (covers replacement or repairs of glass on your vehicle without a deductible being charged).Waived deductibles for collision, comprehensive (other than collision) and uninsured motorist property damage coverage.$250 locksmith or key replacement coverage.Accident forgiveness and minor violation coverage.State Auto’s AutoXtended Plus package offers core auto insurance coverages plus expanded coverage for your vehicle and belongings, including: You can add roadside assistance coverage. The standard State Auto car insurance package allows you to choose from the core types of car insurance to customize your policy and buy only what you need. State Auto packages its car insurance offerings into three different tiers of protection: Standard Comprehensive coverageĬomprehensive car insurance pays for theft and damage to your car from events other than collisions, such as vandalism, fire, falling objects, striking an animal and storm damage. Collision coverage also pays for damage to your vehicle if you hit an object, like a pole or fence. Collision coverageĬollision car insurance pays for damage to your car from an auto accident, regardless of fault. MedPay typically comes in small amounts, such as $1,000 or $5,000. Medical payments insurance pays for your and your passenger’s medical bills, regardless of who was at fault for the accident. PIP also covers lost wages and replacement services for tasks you cannot perform due to your injuries, such as child care. Personal injury protection covers you and your passenger’s medical bills if you get injured in an auto accident, no matter who caused the accident. Uninsured motorist property damage pays for your car’s damages if hit by an uninsured driver. Uninsured motorist coverage for bodily injury pays for you and your passengers’ medical expenses if a driver who either doesn’t have liability car insurance or doesn’t have enough liability insurance (underinsured motorist) crashes into you. Liability coverage also pays your legal fees and defense costs if you’re sued because of the accident. Liability car insurance covers medical bills and property from damages you cause to others in an auto accident. State Auto sells the following types of car insurance that comprise a standard policy: Liability insurance
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