Your Car Insurance Policy

What are the most common types of car insurance policies?

Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Author profile picture

Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

What is an auto insurance policy?

Your car insurance policy determines your coverage and your premium. In short, it is a way to organize car insurance coverage options to meet your needs. In this article, we’ll outline some popular car insurance policy types as well as some popular policies that may not exist exactly as advertised.

Popular car insurance policy types

Below are some popular and standard car insurance policy classifications. You can purchase these policies from national and local insurance providers.

Company and state-specific policies

Below are policies often subject to state and company-specific requirements. These are not always available.

RECENT QUESTIONS

Other people are also asking...

What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?

Good question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown:HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home and personal property are covered against losses that are expressly listed on yo…
Apr 14, 2019 Bedford, OH

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household alr…
Aug 12, 2019 Miami, FL

How do I remove a car from my insurance policy?

Depending on your insurance company, there are a few ways to remove a vehicle from your policy. Many major providers allow some policy changes to be made digitally— either through their website or mobile app. Others may only allow modifications through customer service, so you may need to call your…
Jan 18, 2022 Austin, TX

How long into getting a new policy can I file a claim?

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damage caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You wo…
Dec 9, 2017 Charleston, West Virginia

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.