Blue and yellow Signature Choice Auto iconSignature Choice Auto Coverage


Signature Choice Auto includes all the coverages and features in the Auto Plus and Premier Choice coverage packages and adds several key features for owners of unique, collector, or high-value vehicles.

  • Deductible waiver up to $2,500 — because the last thing you need when your vehicle is totaled, or stolen and gone for good, is to be hit by your policy deductible
  • Ultra-extended authorization for OEM parts — triples the amount of time/accrued mileage for which we’ll authorize your repair shop to use OEM parts for repair. 
  • Loan/Lease Gap coverage — if a new vehicle you purchase is totaled, this coverage steps in to pay off what you still owe. 
  • No daily coverage amount limit for rented vehicles — it can cost almost $200 per day to rent a replacement vehicle after an accident or other  covered loss. Make sure you can rent the make and model you need without breaking the bank. 
  • Customized value assignment — highly customized or high-value vehicles aren’t well-supported by standard auto policies. Signature Choice lets you decide how much your vehicle is worth. 

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.

Upgraded Towing & Labor Coverage with Roadside Assistance Services

Get up to $125 reimbursement 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 more than 50% after an accident – and you’ll still have to pay your deductible! Keep that money, and up to $500 of your deductible, in your wallet with a policy that includes our Accident Forgiveness provision.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 is 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.

Waiver of Deductible for Totaled, or Stolen and Non-Recovered, Vehicles

Signature Choice waives the policy deductible for claims for totaled or stolen-and-not-recovered vehicles, so your claim check could be up to $2,500 more.1

Ultra-Extended Authorization for OEM Parts

If your car is in the shop after an accident, you’ll want your mechanic to use Original Equipment Manufacturer parts to repair it. Signature Choice makes sure you can make that happen for vehicles up to six years old with 60,000 or fewer miles on the odometer.1

Auto Loan/Lease Gap Coverage

Taking out a car loan? Already have a loan? Then make sure your insurance includes Loan/Lease Gap coverage. If you total your vehicle of if it is stolen and non-recovered while you’re still paying it off, this coverage pays the outstanding balance on the loan.1

No Daily Coverage Amount Limit for Rented Vehicles

Renting a vehicle when your car is unsafe to drive, totaled, or in the shop for repairs after an accident or other type of covered loss can be expensive – about $60 per day for a small vehicle to $300+ per day for a larger one. Signature Choice covers you up to $5,000 with no per-day amount limit, so you can rent what you need – from people movers to pickup trucks.1

Custom Loss Valuation for Unique Vehicles

Cookie-cutter coverage just won’t do for unique, customized, or high-value vehicles. Comprehensive and Collision coverage on standard auto policies pays the actual cash value of the vehicle, which can be difficult to establish and is subject to depreciation.

Signature Choice provides better protection for specialty vehicles. Instead of using a standard valuation method, we’ll work with you to establish a mutually agreed-upon value for your vehicle. So, if it has to be replaced or repaired after a covered incident or is stolen and not recovered, a Signature Choice policy will pay you what you and we agree the vehicle is worth.2

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. Terms and conditions apply.

2. Based on a covered claim; pays up to the agreed-upon value amount.