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Auto insurance

Two policies may cost about the same—and protect you very differently.

We compare options from multiple insurers to help you find coverage that fits your vehicle, your budget, and the way you want to protect it.

  • Coverage
  • Deductible
  • Claim Payout
  • Price

Step 1 of 2

Get an Auto Insurance Quote

We only need four details to get started.

Select the make first

Not sure which trim your vehicle is? We can help.

Vehicle makes and models provided through the open-source Arcade Motors MX catalog (CC-BY-4.0).

We work with multiple insurance companies so we can compare your options.

  • Qualitas
  • GNP
  • AXA
  • Chubb
  • Zurich
  • Allianz
  • Banorte
  • Afirme
  • Seguros Ve por Más

What level of protection are you looking for?

Learn about the most common coverage options.

Exact coverage may vary depending on the insurer and the policy.

Comprehensive Coverage

Protection for third parties and your own vehicle.

  • Physical Damage
  • Total Theft
  • Roadside Assistance
Top view of a car
  • Third-Party Liability
  • Medical Expenses for Vehicle Occupants
  • Legal Assistance

Additional coverage may be available depending on the policy.

Coverage, limits, deductibles, and services may vary by insurer, vehicle, and underwriting conditions. Your actual protection will always be determined by the terms of the policy you purchase.

Before you choose

Two “Comprehensive” policies can protect you very differently.

Even when two policies have the same type of coverage, important differences may become apparent when you need to file a claim.

Price isn’t the only thing that matters.What the policy includes—and how it responds—matters too.

Example for the Same Vehicle

Here’s how the terms can vary from one policy to another.

Same Vehicle

2023 | SUV | ZIP Code 44690

ItemOption AComprehensive Policy$18,900 per yearOption BComprehensive Policy$19,400 per year
Physical DamageDamage to your own vehicle.Option A5% deductibleOption B10% deductible
Total TheftThe complete theft of your vehicle.Option A10% deductibleOption B20% deductible
Total LossThe value used to calculate your claim payout.Option AAgreed ValueThe vehicle’s value is established when the policy is purchased.Option BMarket ValueThe vehicle’s value is determined according to the applicable market value at the time of the loss.
RepairsWhere your vehicle may be repaired.Option AAt the dealershipOption BAt an authorized repair shop, subject to the policy terms
Replacement VehicleA temporary vehicle provided under the terms of the policy.Option AIncludedOption BOptional
Tires and WheelsAdditional protection for these components.Option AIncludedOption BNot Included

Same type of coverage. Different terms.

This example is for illustrative purposes only. Coverage, limits, deductibles, benefits, and terms may vary depending on the insurer, vehicle, and policy purchased.

Two policies may both be called “Comprehensive,” yet differ in what you pay, what you receive, and how they respond when you file a claim.

That’s why we compare the entire policy—not just the price.

Review options from multiple insurers for your vehicle.

All you need to get started is your vehicle’s model, year, trim, and ZIP code.

What would happen if…?

Your insurance can help in different ways depending on the coverage included in your policy.

  • Two damaged cars after a rear-end collision on a highway at sunset

    Physical Damage

    You’re in an accident and your vehicle is damaged too

  • Car with a damaged front end after knocking down a traffic sign on the sidewalk

    Third-Party Liability

    You damage someone else’s property

    For example, you hit a traffic sign, a fence, or someone else’s vehicle.

  • Hooded person forcing the door of an SUV parked on a residential street at dusk

    Total Theft

    Your vehicle is stolen

  • Paramedic wearing blue gloves treating an injured woman inside a car, with an ambulance in the background

    Medical Expenses

    Someone inside the vehicle is injured

  • Tow truck operator securing a car’s wheel on a tow truck ramp with amber lights on, at sunset

    Roadside Assistance

    Your vehicle breaks down

Key concept

What is a deductible?

It is the portion of certain covered losses that you are responsible for paying when you file a claim.

Here’s an example:

Vehicle Value$300,000

You Would Pay

$15,000

Illustrative example only.

Deductibles You May Encounter

Physical Damage
Common deductible options may include 3%, 5%, or 10%.
Total Theft
The deductible may vary depending on the insurer, vehicle, and policy.
Auto Glass
A common reference is 20% of the cost of the glass.

A less expensive policy may come with a higher deductible.

These percentages are provided for reference only. The terms of the policy purchased will apply.

Claim payout

If your vehicle were declared a total loss, do you know how much it would be worth?

The amount may depend on the valuation method established in your policy.

01

Market Value

The vehicle’s value at the time of the loss is used as a reference, based on the criteria established in the policy.

02

Agreed Value

A specific value for the vehicle is established in advance.

03

Invoice Value

For certain vehicles and insurance products, the value shown on the original purchase invoice may be used.

The difference can matter a great deal when you actually need to use your insurance.

Frequently asked questions

Your questions, answered.

What is the difference between Comprehensive and Limited coverage?

Comprehensive coverage generally includes certain types of damage to your own vehicle, in addition to other protection. Limited coverage usually focuses on Total Theft, Third-Party Liability, and any additional coverage purchased. Exact coverage varies by insurer.

What is a deductible?

It is the portion of a covered loss that you are responsible for paying when you file a claim under coverage that includes a deductible.

Do all insurance companies use the same deductibles?

No. Percentages and amounts may vary depending on the insurer, vehicle, coverage, and policy terms.

Does my insurance protect me when I drive another vehicle?

Some policies include Extended Third-Party Liability coverage, which may protect you if you cause damage to others while driving a vehicle other than the one listed on your policy.

Depending on the policy, this protection may apply even if the other vehicle is uninsured, provided that the vehicle’s type, use, and circumstances meet the policy requirements.

Important: This extension generally covers your liability to third parties. It does not necessarily cover damage to the vehicle you are driving.

Does auto insurance cover hail or flooding?

Some policies cover these events under Physical Damage coverage or other specific provisions. It is important to confirm that they are included in the option you purchase.

What happens if my vehicle is declared a total loss?

Your claim payout will depend on the coverage purchased and the valuation method established for the vehicle, such as market value, agreed value, or invoice value.

Can I compare several insurance companies?

Yes. Because we work with multiple insurance companies, we can review different options and explain their differences to you.

The Rigoberto Pérez Insurance and Surety team wearing burgundy shirts and posing in front of a blue background featuring the company logo.

Your vehicle is the same.
The policies aren’t.

We look for options from different insurance companies and help you understand the differences before you choose.

  1. Coverage
  2. Deductible
  3. Claim Payout
  4. Benefits
  5. Price

A better comparison.

Let’s talk

37 years of experience. It all starts with a conversation.

Tell us what you need to protect, and we’ll help you find coverage that makes sense for you.

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