Comprehensive Auto Coverage for Every Driver

At Point Drives, we provide auto insurance that adapts to your life, driving habits, and vehicle. Our policies go beyond the basics, giving you peace of mind on the road—whether it’s your first car, your daily driver, or a high-value vehicle.

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Liability Coverage – Protecting You Legally and Financially

Liability coverage is essential for meeting state requirements and safeguarding your finances. It handles costs if you’re responsible for injury or property damage in an accident.

Included in your plan:

  • Bodily Injury Liability: Covers medical bills, rehab, and legal fees for injuries to others
  • Property Damage Liability: Pays for repairs or replacement of others’ vehicles, structures, and property

Why it matters: Liability insurance protects you from out-of-pocket expenses and potential lawsuits while giving you peace of mind behind the wheel.

Collision Coverage – Protect Your Vehicle Against Accidents

Collision coverage takes care of damage to your car caused by collisions with other vehicles or objects, whether the accident is your fault or not. It’s crucial for newer and financed vehicles.

Examples:

  • Colliding with another car
  • Single-vehicle accidents (rollovers, hitting objects)
  • Minor or major collisions with walls, curbs, or posts

Why it matters: Avoid costly repairs and keep your vehicle in top shape without draining your savings.

Comprehensive Coverage – Protection from the Unexpected

Comprehensive insurance shields your car from non-collision events. This includes theft, natural disasters, vandalism, or animal accidents.

Covered events:

  • Theft or attempted theft
  • Vandalism and broken glass
  • Weather-related damage (hail, fire, flood)
  • Falling objects or tree branches
  • Animal collisions (e.g., deer)

Why it matters: Keep your vehicle protected, even when it’s parked or off the road.

Medical Payments & Personal Injury Protection

MedPay and PIP help cover medical costs after an accident—regardless of fault. This ensures you and your passengers receive prompt care without financial strain.

Benefits include:

  • Hospital and doctor bills
  • Ambulance and emergency transport
  • Rehabilitation and therapy
  • Funeral expenses
  • Lost income (PIP only)

Why it matters: Protect your health and finances after an accident, giving you time to recover without added stress.

Uninsured & Underinsured Motorist Protection

If you’re involved in an accident with a driver who has little or no insurance, this coverage ensures you and your passengers are still protected.

Coverage includes:

  • Medical expenses for you and passengers
  • Repair or replacement of your vehicle (varies by state)
  • Compensation for pain and suffering in serious accidents
  • Hit-and-run incidents

Why it matters: 1 in 8 U.S. drivers is uninsured. This coverage protects you from the unexpected.

Optional Add-Ons for Total Control

Every driver’s needs are different. Enhance your policy with add-ons that fit your lifestyle.

Roadside Assistance

24/7 help for flat tires, towing, lockouts, battery issues, and emergency fuel delivery.

GAP Insurance

Covers the difference between your car’s market value and the remaining loan or lease balance if totaled.

Rideshare Coverage

Extends coverage for drivers using Uber, Lyft, or delivery apps, bridging gaps between personal and rideshare policies.

Rental Reimbursement

Covers rental car costs while your vehicle is in the shop due to a covered claim.

Custom Equipment Protection

Protects aftermarket modifications such as wheels, audio systems, wraps, or body kits.

Flexible Coverage Built Around You

With Point Drives, you choose the coverages you need today and can adjust anytime as your life changes—online, via phone, or through our app.

  • Instant digital ID cards and proof of insurance
  • Add or remove vehicles and drivers instantly
  • Modify deductibles and coverage limits at any time
  • Receive real-time quotes and renewal reminders

Get Coverage Your Way

Whether you prefer essential protection or full-featured coverage, Point Drives lets you compare, customize, and purchase the right plan—without confusion or pressure.

Why Point Drives Stands Out

We combine technology, human support, and flexible options to ensure every policy works for you.

  • 🔹 Fast, transparent quotes
  • 🔹 24/7 licensed support
  • 🔹 Coverage tailored to your driving and lifestyle
  • 🔹 Nationwide protection with local tuning