Types of Car Insurance Coverage
Looking for the right types of car insurance coverage? At Dairyland®, we offer auto insurance at affordable rates, with service to help you protect your car and discounts to help protect your wallet.
Check out your cheap car insurance coverage options below, then get a quote or give us a call to join the millions of drivers who've trusted us to protect their vehicles since 1953.
Common auto insurance coverage
In many states, you’re required to carry several of these vehicle coverages—most frequently liability insurance. In some cases, if you don’t want some of these insurance coverages on your policy, you may be able to reject them in writing.
Bodily injury liability
This coverage can help protect you financially if someone is injured in an accident you cause. Bodily injury liability may pay for medical expenses, lost wages, and legal fees.
Property damage liability
Property damage liability covers repair costs for damage you cause to another person’s vehicle or property in a covered accident.
Uninsured motorist coverage
Uninsured motorist coverage may help pay for injuries—or, in some states, property damage—if you’re hit by a driver with no insurance, or if it’s a hit-and-run.
Underinsured motorist coverage
If it’s available in your state, underinsured motorist coverage may help pay for medical expenses and, in some states, property damage if you’re hit by a driver with insufficient coverage.
Collision coverage
Collision auto coverage can help pay for the damage to your vehicle after it hits another vehicle—no matter who’s at fault in a covered accident.
Comprehensive coverage
Sometimes referred to as “other than collision,” comprehensive insurance coverage may help pay for damage to your vehicle from things like fire, theft, vandalism, hail, and falling objects.
Learn why the phrase "full coverage" car insurance isn't as straightforward as it seems—and how you can protect yourself and your car.
Specialty auto insurance coverages
These coverages may not be available in all states. If they’re available in your state, they may be required or optional—review your state’s auto insurance requirements and discuss your options with your agent.
PIP coverage, or personal injury protection insurance
In a covered accident, PIP coverage pays for reasonable and necessary medical expenses for injuries to the driver and any passenger in your vehicle, regardless of who is at fault in the accident. In addition, there may be coverage available for lost wages, lost services and funeral expenses. Not allowed in all states.
Medical payments
Medical bills can add up after an accident. Medical Payments insurance coverage could pay for reasonable and necessary medical expenses for the driver and passengers in your vehicle. It also covers funeral expenses. This coverage applies no matter who’s at fault in a covered accident.
Towing and labor
Need a lift? With towing and labor coverage, you may be able to have someone pick up your vehicle and take it to your service center for repairs.
Rental reimbursement
The good news is your car is being repaired due to a covered loss. The bad? You have no way to get to work. Rental reimbursement coverage could give you money towards a rental to keep your life moving.
Lienholder
If you’re buying or leasing a vehicle, the lender may require you to carry specific coverages. Insurance options available in your state—like car loan protection or lienholder deductible—may offer additional coverage. These options can help if your car is totaled before it’s paid off, or if you need a lower deductible and still want to save money.
Special equipment
You may have added a few special touches to your car, but what happens if they get wrecked in a crash? Special equipment insurance coverage could help pay for the customizations you’ve made. Just understand, certain restrictions may apply.
Roadside assistance
Our roadside assistance coverage offers 24/7 service for a range of issues you can experience while driving, including a dead battery, flat tire, breakdown, running out of gas, and even locking your keys in your car.
