Coverage Options

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Coverage Tiers

Three Levels of Protection

From essential liability coverage to complete protection, each tier is designed to match a specific level of risk and budget.

Liability Coverage

Covers costs related to third-party injuries and property damage when the insured driver is at fault. Required in most states and serves as the foundation of any auto policy.

Bodily injury liability
Property damage coverage
Adjustable coverage limits

Collision Coverage

Pays for vehicle repair or replacement following an accident, regardless of fault. Ideal for drivers who want protection for their own vehicle beyond basic liability.

Single and multi-vehicle accidents
Flexible deductible options
Coverage regardless of fault

Full Protection

Combines liability and collision with coverage for events beyond accidents: theft, weather damage, vandalism, and more. The most comprehensive plan available.

Theft and vandalism protection
Uninsured motorist coverage
Full liability and collision included

How It Works

Three Steps to Full Coverage

Getting insured is simpler than most expect. Here's how the process flows start to finish.

Enter Vehicle Info

Share your car's make, model, and year. The quote tool calculates an estimate instantly.

Pick a Plan

Review coverage levels side by side. Adjust deductibles and add-ons to match the budget.

Get Covered

Confirm a plan and receive policy documents immediately. Coverage begins the same day.

Policy Details

What to Expect from Your Plan

What Coverage Includes

Bodily injury and property damage liability

Collision repair for the insured vehicle after any at-fault accident

Comprehensive protection from theft, weather damage, and vandalism

Uninsured motorist coverage on qualifying plan tiers

Towing, roadside assistance, and rental reimbursement on eligible tiers

Same-day policy activation with digital document delivery

Important Considerations

Coverage availability and limits vary by state and vehicle type

Deductible amounts affect monthly premium rates

Pre-existing damage is not covered under any plan tier

Policy changes take effect at the next billing cycle

Comprehensive coverage requires a separate deductible from collision

Driving history and annual mileage factor into the final quoted rate

FAQ

Coverage Questions Answered

Common questions about GearAndGuard coverage options, plan differences, and how policies work in practice.

What is the difference between collision and comprehensive coverage?

Collision coverage applies when the insured vehicle is damaged in an accident involving another vehicle or object. Comprehensive coverage handles non-collision events such as theft, vandalism, storms, and fire. Both are available as add-ons to the base liability plan.
Can coverage be upgraded or downgraded after a plan is selected?

Yes. Plans can be adjusted at any time through the account portal. Changes take effect at the next billing cycle, and there is no fee for modifying coverage levels mid-term.
Does GearAndGuard cover rental vehicles?

Rental reimbursement is available as an add-on on collision and full protection tiers. It covers the cost of a rental vehicle while the insured vehicle is being repaired following a covered claim.
What happens if the other driver in an accident has no insurance?

Uninsured and underinsured motorist coverage is included in the Full Protection tier. It covers medical expenses and vehicle damage when the at-fault driver does not carry sufficient insurance to cover the claim.
How is a deductible chosen and can it be changed?

Deductibles are selected during the quoting process and can be adjusted when modifying a plan. A higher deductible typically lowers the monthly premium, while a lower deductible reduces out-of-pocket costs at the time of a claim.

Not Sure Which Plan Fits?

The GearAndGuard quoting tool makes it easy to compare all three coverage tiers side by side. Enter vehicle details and driving habits to see an accurate estimate for each plan before making a decision.

Compare Plans

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