Auto insurance, clearly

Cover for the Car You Count On Daily

Liability, collision, comprehensive and a few smart add-ons. I help you choose what your car needs, skip what it doesn't, and keep the bill in line with how you drive.

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Crash Repairs

Repairs your car after a crash.

Harm to Others

Pays for harm you do to others.

Storms and Theft

Handles hail, theft and floods.

A silver SUV driving along a clear highway past snowy fields
About LorenAutos

Know What Each Part of Your Policy Does

Most drivers learn what their policy covers only after something goes wrong. I would rather you find out now, while there is still time to raise a limit or drop an add-on you never use. The final choice always stays with you.

Rate What you pay to stay covered
Term How long your policy lasts
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Get a Car Insurance Quote That Matches Your Driving

Send a few details about your car, the drivers at home and your usual miles. I will put together a quote that suits your budget.

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Beyond the basics

Add-Ons That Round Out Your Auto Policy

Medical Payments

Helps pay medical bills for you and your riders after a crash.

Rental Reimbursement

Pays for a rental car while yours is being repaired at a shop.

Gap Coverage

Covers what you still owe on a loan if the car is written off.

New Car Replacement

Replaces a totaled new car with the same model, not its value.

Custom Equipment

Protects added gear like custom rims, a stereo or a roof rack.

Classic Car Cover

Insures an older car at an agreed value, not its market price.

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Why LorenAutos

Coverage Choices That Hold Up on a Bad Day

A smiling driver leaning out of his car window on a quiet country road
  • A deductible you can live with

    A higher deductible lowers your bill but costs more at claim time.

  • When the other driver has nothing

    Uninsured motorist cover pays when the other driver has no policy.

  • Help for a flat or a dead battery

    Roadside help can send a tow, a jump start, or a locksmith to you.

Heard from drivers

What Changed for These Drivers

Short notes from drivers who went over their auto policy with me.

My liability limit was far lower than I thought. It is higher now, and my premium barely moved. I only wish I had asked about it much sooner.

SK

Shannon K.

Sedan, two drivers

I was paying for rental cover on a car I barely drive. Dropping it and adding gap cover to my new car loan made far more sense for my budget.

KG

Kurt G.

Pickup, one driver

After a hail storm I finally understood comprehensive. The claim went smoothly since I already knew my deductible before anything went wrong.

DH

Doreen H.

SUV, teen on the policy
Asked often

Common Auto Insurance Questions

Usually, yes. Most policies follow the car, so a friend you let drive it once in a while is often covered. Someone who drives it every week should be listed on the policy.

Comprehensive handles it in most policies, even though it feels like a crash. That matters because the two parts often carry different deductibles, so check both before you need them.

It can. An at-fault claim often shows up at your next billing term. For a tiny repair, paying out of pocket can cost less over time, and I can walk you through that math.

Not by your auto policy. A stolen laptop or bag is usually a home or renters insurance claim. Your auto cover handles the car itself and any damage to it, like a broken window.

It depends on the car's value and your savings. If a year of collision costs close to what the car is worth, dropping it may make sense. Keep it if a loss would hurt your budget.