Understand your risks
What are you really protecting on the road?
Tap each hotspot to see what part of an auto policy really matters and how it protects you.
Liability coverage
Helps pay for injuries or damage you cause to other people or their property.
How Amara helps:
This is the foundation of auto insurance. Bodily injury and property damage liability help protect you if you’re at fault in an accident. Without enough liability, one serious crash can quickly become a major financial problem.
Coverage basics
Auto coverage explained in plain English
Here’s the simple version of what the main auto coverages do so you know what you’re paying for.
Liability
Helps pay when you injure someone or damage another person’s property in an accident.
Collision
Helps repair your car after a crash, even if you caused the accident.
Comprehensive
Helps with non-crash damage like theft, hail, fire, animals, and vandalism.
Medical / PIP
Helps with medical bills and other accident-related costs for you and your passengers.
Quick guide
What kind of auto coverage do you need?
Use this to match the policy to your situation before you get a quote.
Daily driver
Most drivers need liability plus collision and comprehensive if the car is newer or financed.
Older paid-off car
You may want liability and comprehensive, and choose collision based on the vehicle’s value.
New car or loan
Collision, comprehensive, and possibly gap coverage help protect the loan balance and the vehicle value.
High-risk / SR-22
We can help with filings, state minimums, and carriers that work with drivers who need more specialized coverage.