ELECTRIC INSURANCE

Customize Your Car Insurance

Car insurance coverage is like car model trim lines.

You choose good, better, or best. Choose from three tiers of coverage plus optional add-ons to suit your needs and budget. Our auto policies give you all the coverage your state requires, plus a suite of packaged extras, and even a few additional options.

GOOD Coverage: Auto Plus provides excellent coverage with four features that raise it above the ordinary.

BETTER Coverage: Premier Choice includes everything in Auto Plus, with a few important enhancements – including accident forgiveness.

BEST Coverage: Signature Choice provides maximum protection.

COVERAGES AND FEATURES

GOOD

Auto Plus

BETTER Premier Choice

BEST Signature Choice

No surcharge will be apBundle your policies and we’ll waive the auto deductible if both your vehicle and home are damaged in the same incident. plied to a qualifying accident and we’ll waive up to $500 of the deductible.

Auto claim deductible waiver for bundled policies¹

If you insure both your car and your home with Electric Insurance and both are damaged by the same covered cause of loss, we'll waive the auto policy deductible – potentially saving you hundreds of dollars.

GOOD

BETTER

BEST

Replacement cost coverage applies if your qualifying new vehicle is totaled or stolen and not recovered.

No-hassle new car replacement²

We'll pay to replace totaled or stolen and not recovered new (or newer) vehicles with a new one of the same make, model, and equipment – without deducting for depreciation. Auto Plus covers vehicles up to one year old with 15,000 or fewer miles; Premier Choice and Signature Choice cover vehicles up to two years old with 30,000 or fewer miles.

GOOD

BETTER

BEST

We authorize your repairs shop to use OEM parts.

OEM parts authorized for repairs²

For claims requiring repairs, we'll authorize your repair shop to use brand-new original manufacturer's parts. Auto Plus covers vehicles up to two years old with 24,000 or fewer miles; Premier Choice covers vehicles up to three years old with 50,000 or fewer miles; and Signature Choice covers vehicles up to three years old with 60,000 or fewer miles.

GOOD

BETTER

BEST

You’ll get fast claim payment if your vehicle is totaled.

Total Care for Totaled Vehicles Program²

We'll provide advance payment for totaled or stolen/non-recovered vehicles and extend use of your rental vehicle if you have rental coverage, so you have extra time to shop for a replacement vehicle.

GOOD

BETTER

BEST

No surcharge will be applied to a qualifying accident and we’ll waive up to $500 of the deductible.

Accident forgiveness³

We’ll waive the standard premium surcharge and up to $500 of your Collision or Comprehensive deductible for your first accident. And if you enjoy a Safe Driver discount, you’ll keep it.

GOOD

BETTER

BEST

After-accident towing is covered up to $125.

$125 in towing coverage with added emergency roadside assistance services⁴

You’ll get 24/7/365 emergency roadside assistance services and up to $125 of coverage for accident-related towing and labor costs.

GOOD

BETTER

BEST

If your vehicle breaks down or is disabled for at least 24 hours when you’re more than 100 miles from your home, we’ll cover up to $600 in related food and lodging expenses.

Trip interruption expenses²

Get up to $600 back for unexpected travel-related expenses when your vehicle breaks down or is disabled more than 100 miles from home for 24 hours or more. No deductible applies.

GOOD

BETTER

BEST

You’ll have only a low, $50 deductible if your vehicle’s glass is broken.

Low $50 glass repair/replacement deductible

Pay just a $50 deductible for windshield, window, or light replacement and/or repair.

GOOD

BETTER

BEST

No deductible applies to totaled and stolen not recovered vehicle claims.

Stolen/Totaled car claim deductible waiver

We'll waive the claim deductible requirement if your covered vehicle is totaled or stolen and not recovered.

GOOD

BETTER

BEST

Get up to $5000 of substitute transportation coverage.

No daily limit rental car option

Get up to a $5,000 reimbursement for rental vehicles after a towing claim, with no daily coverage limit.

GOOD

BETTER

BEST

Make sure your unique or custom vehicle has the right coverage amount.

Custom loss valuation amount for unique vehicles⁵

Some vehicles can't easily be valued, so we work with you to agree on an amount. Then you're covered for that value for replacement or repair if the vehicle is damaged or stolen.

GOOD

BETTER

BEST

Coverage applies if you have a balance on your loaned or leased vehicle.

Auto loan/lease payment gap

This valuable coverage fulfills the outstanding balance you owe to your lienholder for a totaled vehicle.

GOOD

BETTER

BEST

Save with the car insurance discounts you deserve!

Save money for being a new customer. Save even more if you bundle your home and auto coverage with us. You can add to your savings if you have a new car, participate in the Great Driver program, or even have safety devices.

New customer Plan Ahead discount: Auto policy

New auto policy customers can save up to 12% off our standard car insurance rates.⁶

Additional discounts apply when you bundle your coverage

Bundled auto & home multi-policy discount

Insure both your vehicle and your home with us and save up to 10% off your vehicle coverage and up to 20% off your home coverage.⁶

Save up to 10% when you enroll in the Great Driver program

Great Driver™ discount

Drivers in AZ, CT, IL, KY, OH, MN, MO, NJ, SC, TX, and WI can participate in the Great Driver program and get 5% to 10% off their auto premium just for enrolling. Get a good score over 100 days of driving and you could save up to 20% when your policy renews.⁷

Get a discount if your company participates in our employee savings program

Employee discounts

Contact us to find out if your employer participates in our employee discount program. You could save up to 10%!⁶

Save 10% if you have an electric or hybrid vehicle.

Electric/Hybrid vehicle discount

Save 10% off our standard auto rates when you insure an electric or hybrid car with us.⁸

Safety Device Discounts & More

You may also qualify for safe driver, anti-theft, safety device, and other discounts.⁶

Award-winning Claim Service

Your insurance policy is only as good as the claim service that backs it. Ours is so good, it’s won multiple gold awards from the American Business Awards^SM.⁹ Take a look at some of the standard services that support every auto policy we write.

Satisfaction with your auto damage claim service or $100 back.

Signature Choice Claim Service Guarantee™

We'll expedite your claim payment and provide extra time within your rental coverage if needed so you have time to shop for a replacement vehicle, if your covered vehicle is totaled or stolen and not recovered.

Total Care for Totaled Vehicles program

We'll provide advance payment for totaled or stolen/non-recovered vehicles and extend use of your rental vehicle if you have rental coverage, so that you have extra time to shop for a replacement vehicle.

SmartConnect remote adjuster app

Our very convenient smartphone app allows faster payment processing because damage inspection is done using your smartphone – no need to wait around for an adjuster when you have a claim.

See why so many of our customers who have had a claim would renew based on their experience alone.

Genuinely exceptional claim service

99% of our surveyed respondents who filed a claim would renew their policies with us based on our claim service alone.¹⁰

Call us for a quote at 800.342.5342.

Or get a quote online. Just use the box at the top of the page. Better yet, one of our Risk Coaches™ can help you determine what you really need – and how you can save money.¹¹ Call us today at 800.342.5342 and ask for a free coverage assessment.

Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services, or coverage. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.

1. Applies to incidents that damage both the covered auto and the covered home; terms and conditions apply; subject to eligibility.

2. Terms and conditions apply.

3. Applies to accident losses related to Collision, Comprehensive/Other Than Collision, and Uninsured Motorists Property Damage coverages only; waives up to $500 of the related deductible per policy period; waives one eligible accident in a policy period; any one eligible accident in a policy period will not affect the policy’s rates at renewal. Once used, eligibility for the surcharge waiver resets in 36 months.

4. Emergency roadside assistance services are provided by Quest Towing Services, LLC; terms and conditions apply.

5. Based on a covered claim; up to the agreed-value amount.

6. Product, service, program, credit, and discount availability and limits vary by state.

7. Not available in all states. Participation is optional. Eligibility, qualifications, and availability may be modified or changed at any time.

8. The new vehicle discount and the electric/hybrid vehicle discount cannot be combined.

9. Electric Insurance Company has won four gold-level awards from 2009 to 2017.

10. Based on a 2017 customer survey.

11. Electric Insurance Company Risk Coach™ professionals help you assess your current coverages and exposure to risk based on the information you provide during your discussion. The services provided are for informational purposes only and do not create a professional or fiduciary relationship. Incomplete information or a change in your circumstances after your meeting may affect coverage requirements or recommendations.