Blue and yellow icon for Premier Choice Auto coveragePremier Choice Auto Coverage 

Premier Choice builds on our Auto Plus package with two expanded coverages and four additional features – and all four can save you money if you have a claim.



Additional coverages

Premier Choice also covers all the things your state requires you to have, plus offers options for tailoring your policy to your unique needs.

Bundle Plus Advantage Savings

Save twice when you insure both your car and home with us. Once with multi-policy discounts for your vehicle and home and again when we waive a deductible when you have a claim for damage to both your car and home. 


Expanded New Vehicle Replacement Cost Coverage

If your new vehicle is stolen and not recovered or totaled, we’ll pay  the full replacement cost of a similar new vehicle – no depreciation applied. Premier Choice Auto covers vehicles up to two years old with 30,000 or fewer miles on the odometer.2

Emergency Roadside Assistance Services

We've got you covered with 24/7/365 country-wide Roadside Assistance Services from experienced service providers3

  • Towing to a service provider when your vehicle has a mechanical breakdown 
  • Lockout assistance to put you back in the driver's seat
  • Jump-starts for dead batteries so you aren't left stranded
  • Emergency fuel delivery of up to two gallons of fuel if you run out unexpectedly
  • Emergency fluid (e.g., oil or water) delivery to get you to the nearest service station
  • Flat tire changes using your spare to help you get on your way
  • Winching/ditch extractions to get you back on the road


Unlike auto club memberships, we allow anyone using your covered vehicle with your permission to use these services.

Upgraded Towing & Labor Coverage with Roadside Assistance Services

Get up to $125 reimbursement (higher coverage amounts are available) when you need a tow and you’ll also get unlimited use of six types of emergency roadside assistance services3

Repairs Using OEM Parts

If your car is in the shop after an accident, you’ll want your mechanic to use Original Equipment Manufacturers parts to repair it. So we make Auto Plus covers that for vehicles up to four years old with 50,000 or fewer miles on the odometer.2

Total Care for Totaled Vehicles

Get a fast check for your totaled vehicle and, if you also have alternate transportation coverage on your policy, extra time added to your rental limit to give you time to shop for a replacement vehicle.2

Signature Claim Service Guarantee™

Our claim service is so good that we guarantee it. Make a claim for damage to your vehicle and get the prompt, courteous service you deserve or we’ll send you $100.2

Bodily Injury Liability Coverage

If you are found at fault in an accident in which there are injuries or fatalities, Bodily Injury Liability coverage would pay towards the claim, judgment, or settlement against you.

Property Damage Liability

If you are at fault in an accident in which there is damage to property – such as other vehicles, a fence, stop sign, light pole, or property in the other party’s vehicle, Property Damage Liability coverage would be applied to the claim or settlement against you.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage would pay toward medical costs for you and your passengers if you are hurt in an accident. In some states, it would also pay toward lost wages, additional living expenses you incur as a result of the accident, rehabilitation, funeral costs, and more. This is a complex coverage, so be sure to ask our Risk Coach representative how it works in your state.

Uninsured/Underinsured Motorist Coverage

If you’re hit by a driver who is legally liable for the accident and either has no insurance or does not have enough insurance to cover your injuries, this coverage would apply to your medical and related expenses that are not otherwise covered. This is a great coverage to have even if your state does not require it.

Medical Payments

This coverage would apply to your medical costs if you are injured in an accident – regardless of who is at fault.

Collision Coverage

This pays to repair or replace your vehicle (for the actual cash value) if it’s damaged or totaled in an accident.

Comprehensive / "Other Than Collision" Coverage

This pays for damage or loss caused by things other than collision: theft, hail, fire, tree damage, vandalism, etc.

Alternate Transportation (Rental) Coverage

How would you get around if your car’s in the shop or is totaled? Rental coverage applies if your covered vehicle is disabled following an accident and you need to rent transportation for a few days. 

Accident Forgiveness

Ouch! Your auto insurance rates can go up by 40% to 60% after an at-fault accident – and your deductible would eat into your claim payment! Avoid that accident surcharge and take $500 off of your deductible with a policy that includes our Accident Forgiveness provision. You'll also keep any good driver discount you may have earned.1

Trip Interruption Expense Coverage

Trip interruption coverage has your back when you’re far from home. It covers unexpected meal and lodging expenses you incur when your vehicle either breaks down or is un-drivable due to an accident and you have to wait 24 hours or more for it to be fixed.2

Ultra-Low Glass Replacement/Repair Deductible

Replacing or repairing a windshield can be expensive – especially if your policy deductible is so high that it costs more to meet it than the repair shop charges. Premier Choice includes a low $50 glass deductible instead.2

Towing & Labor Coverage

For more peace of mind when you're on the road, make sure you have coverage for towing and/or repair at point of breakdown.

Disclosure Statements

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 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.

2. Terms and conditions apply.

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