Customizing your car insurance policy

Your car is more than just a way to get from point A to point B — it’s a part of how you drive your dreams forward. Whether commuting to work, taking the kids to school, or heading out on a weekend adventure, you deserve auto insurance designed to fit your life. At American Family Insurance, we make it easy to customize your coverage, so you’ll have confidence and peace of mind no matter where you’re headed.

Let’s break down your coverage options.

What are the main types of car insurance?

Car insurance can feel complicated, so let’s go over the main kinds of coverage you can choose from at American Family:

Collision coverage. If your car is damaged in an accident, collision coverage helps pay the cost of repairs or replacement, no matter who’s at fault. You’ll pay a deductible, and we’ll help take care of the rest.

Comprehensive coverage. If your vehicle is damaged by something other than a collision or rollover — such as hail, a fallen tree, running into a deer, or even theft — comprehensive car insurance helps cover the cost.

Liability coverage. Most states require liability insurance. It helps cover injuries to others and damage to their property if you’re at fault in an accident. There are two types: bodily injury liability, which applies to your passengers and the driver and passengers of the other vehicle, as well as property damage liability, which usually means damage to someone else’s car or property.

Medical coverage. Depending on where you live, you may have access to medical expense coverage and personal injury protection. These coverages help pay for medical care and other expenses if you and your passengers are hurt in an accident, no matter who’s at fault. While medical expense coverage assists with medical payments, personal injury protection may reimburse for lost income, childcare expenses, and other costs associated with a covered accident.

While deductibles typically don't apply for liability insurance, the rest of these coverages are subject to your policy deductibles and limits.

Add-on coverage for your car insurance policy

Looking for more protection and peace of mind? Consider these additional options:

Uninsured motorist coverage. Uninsured motorist coverage helps protect you and your passengers if you’re hit by an at-fault driver who doesn’t have insurance.

Underinsured motorist coverage. If you’re in an accident with an at-fault driver who doesn’t have enough insurance to cover expenses for you and your passengers, underinsured motorist coverage can help fill the gap.

Emergency roadside assistance. Flat tire? Dead battery? Out of gas? Locked out? Whether your car is stranded on the highway, on a country road, or in your driveway, American Family’s emergency roadside assistance is available 24/7 to help get you back on the road. Just call our roadside service team at 1-800-MYAMFAM (1-800-692-6326).

Rental car reimbursement. If your car is in the shop after a covered accident, rental car reimbursement coverage helps you pay for a rental car so you can keep moving.

Auto lease or loan assistance. A new car depreciates the second you drive it off the lot, creating a gap between what you owe and what the car is worth. If your car is totaled in a covered event, lease or loan coverage can help pay the difference.

Accidental death and dismemberment. In the event of a serious accident, this coverage helps provide financial benefits to support your loved ones.

Road trip accident accommodations. If you’re more than 100 miles from home and have an accident, road trip accident accommodation coverage can help pay for emergency expenses like lodging, meals, and transportation.

New car replacement. This coverage, available only for brand new vehicles, helps replace your car if it is totaled within the first year.

Pet coverage. If your dog or cat is injured in a covered accident or when your car is stolen, this coverage can help pay for their medical expenses.

Other types of car insurance coverage

Your vehicle may be more than a means to get to work, or school, or around town. American Family offers coverage for all kinds of situations:

Rideshare car insurance. Driving for Uber or Lyft to earn extra cash? Rideshare car insurance helps protect you during times when their company policies and your personal coverage may not apply. Renting out your vehicle with apps like Turo or driving for food delivery services such as Uber Eats would not be covered.

Classic car insurance. For your prized classic or collector car, we offer specialized classic car insurance to help keep it in mint condition. To be eligible, your vehicle must meet certain conditions, and you’ll need another vehicle to drive daily.

Select a UBI program to personalize your rate

These days, many insurance companies are rolling out usage-based insurance (UBI) programs, making it easier than ever to match your coverage to the way you actually drive. It just makes sense — safer drivers and those who spend less time behind the wheel tend to have fewer accidents, and we believe that deserves recognition.

At American Family, we offer two unique UBI options to help you personalize your rate and unlock potential savings:

DriveMyWay — DriveMyWay puts smart technology to work for you, adjusting your rate based on your driving habits. The safer you drive — and the more you use the program’s helpful tips — the more you could save. It’s a simple way to turn your daily drives into opportunities to protect yourself and others, all while earning savings tailored just for you.

MilesMyWay — Prefer flexibility? MilesMyWay is perfect for drivers who don’t rack up a lot of miles. The less you drive, the more you save. If you’re a low-mileage driver, this program lets you enjoy the coverage and support you expect, with a rate that fits your lifestyle.

Other ways to customize

Your life and needs are unique — and your insurance should be, too. Here are some other steps you can take to personalize your policy:

Get discounts. Premium discounts help tailor your insurance to your budget and lifestyle by providing a variety of opportunities to save. You could bundle your car insurance with a homeowners policy, for example. Or take advantage of billing discounts, such as autopay, full pay, and paperless billing. Ask your agent about discounts you may qualify for.

Talk to your agent. Your American Family agent is always on the lookout for ways to help you stay protected and save on your car insurance. Get in touch with them today to make sure you’re getting the right coverage at the right price.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.