Shopping for auto insurance can feel overwhelming and time-consuming. You want coverage that protects what matters without overpaying or second-guessing your choices.
With access to multiple top-rated carriers and expert guidance at your side, it’s easy to find a policy that fits your life, so you can drive with clarity and confidence.
Driving without insurance puts more than your car at risk. A strong policy protects your wallet, your freedom, and your peace of mind every time you hit the road.
Most states require auto insurance by law and the consequences of driving without it can be serious.
Insurance helps pay for medical bills, repairs, and damage so you are not left paying thousands out of pocket
Knowing you are protected allows you to drive with confidence no matter what happens.
Insurance isn’t just a legal requirement, it’s your backup plan when life takes a turn. Learn what each coverage does so you’re never caught off guard.
Accidents happen, especially when you least expect them. Collision Coverage helps get your vehicle repaired or replaced quickly, so you’re not left stranded or paying out of pocket.
Sometimes it’s not another driver, it’s a hailstorm, a break-in, or a deer in the road. Comprehensive Coverage protects your vehicle from the things you can’t see coming.
Not everyone on the road carries enough insurance to cover the damage they cause. UM/UIM Coverage steps in to help pay for your injuries and expenses when they can’t.
One accident could cost you thousands, or more, if you’re not properly covered. Liability Insurance protects your finances if you’re at fault in an accident that injures someone or damages their property.
Medical bills and lost income can pile up fast after an accident. PIP covers those expenses, no matter who was at fault, so you can focus on healing, not the paperwork.
Even a minor accident can lead to big medical costs. Medical Payments Coverage helps cover those bills for you and your passengers, giving you peace of mind at every turn.
Car insurance premiums can feel unpredictable and frustrating, especially when you do not understand what is influencing the number.
Knowing what shapes your rate puts you in a better position to ask the right questions, avoid overpaying, and take control of your costs. One of the easiest ways to save is by bundling your auto policy with homeowners or renters insurance.
Top Factors That Shape What You Pay:
— Jo G. Gold Canyon, AZ
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.
We check with 40+ A-rated carriers and send a simple video that explains your best coverage options, so you can choose confidently without feeling rushed or pressured.
After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.
Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless, because getting protected should feel easy.
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
Yes, in most cases. Your personal auto policy usually extends to rental cars for personal use in the U.S. and sometimes Canada. It mirrors the coverages and limits on your policy. However, coverage may not extend to commercial or rideshare use, and rental companies may still try to sell you their insurance.
Insurance companies consider multiple factors, including:
Not under a standard policy. You will need a rideshare or delivery endorsement, or a commercial auto policy, for coverage during these activities. Without the correct coverage, accidents during rideshare or delivery periods may not be covered.
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.