Coverage Plans
Three common coverage levels drivers ask about. A licensed agent will match you to real carrier options and pricing during your call.
Essential Liability
State-minimum liability coverage — protection for others if you're at fault.
- Bodily injury liability
- Property damage liability
- State-minimum compliant
Standard Coverage
Liability plus collision and comprehensive — the coverage most drivers ask about.
- Everything in Essential Liability
- Collision coverage
- Comprehensive coverage
- Roadside assistance, if available from your carrier
Premium Full Coverage
Maximum protection with lower deductibles and added perks, where available.
- Everything in Standard Coverage
- Lower deductible options
- Rental car reimbursement, if available from your carrier
- Accident forgiveness, if available from your carrier
MotorBind does not underwrite or price policies. Coverage names, features, and pricing are set by the licensed carrier and vary by state, driving history, and vehicle — your agent will confirm real options during your call.
Insurance that works the way you drive
Licensed & Trusted
Licensed to write policies in all 50 states, with an A-rated claims-paying track record.
Quotes in Minutes
No paperwork chase. Answer a few questions online and get a real, bindable quote fast.
24/7 Claims Support
Accidents don't wait for business hours — neither does our claims team.
No Hidden Fees
Transparent pricing with every rate adjustment you qualify for applied automatically.
Coverage FAQs
What's the difference between liability and full coverage?
Liability only covers damage or injury you cause to others. Full coverage adds collision and comprehensive protection for your own vehicle.
Can I change my coverage after I sign up?
Yes. You can upgrade, downgrade, or add coverage types at any time by contacting your agent or calling our support line.
Does my rate change if I move to a different state?
Rates are state-specific due to differing minimum coverage laws. Let us know if you move and we'll requote your policy.
What factors affect my premium?
Driving history, vehicle type, location, coverage limits, and deductible all factor into your final rate.