Understand your auto coverage
Start with what each coverage does. These examples illustrate common situations; your policy determines whether a loss is covered.
Liability
Helps pay for injuries or property damage you cause to others, up to your limits.
Example: You cause a crash that damages another vehicle.
Collision
Helps cover damage to your vehicle from a collision, subject to your deductible and policy terms.
Example: Your car hits another vehicle or a fixed object.
Comprehensive
Helps cover certain damage outside a collision, such as theft, hail or an animal strike.
Example: Hail damages your parked car.
Uninsured / underinsured motorists
Can help with covered injuries caused by a driver without sufficient insurance. Review the specific protection in your policy.
Ask which injury and property damage coverages you have.
Medical payments
Helps with covered medical expenses for you and your passengers, subject to the policy limit.
Ask how this fits with your other medical coverage.
Rental reimbursement
Helps with eligible rental costs after a covered loss, subject to limits and policy terms.
Check the daily allowance and maximum benefit.
Compare more than the price
A lower premium is only part of the comparison. Use this checklist when looking at your current policy and a new quote.
Use these checks as a reading aid. They are not submitted to our office.
Share your current insurance
Skip the search for your declarations page.
Use our Canopy Connect link to share your current insurance information with Bucklew Insurance. Follow the options available there to connect your insurer or provide policy documents.
Share my current insuranceOpens Canopy Connect in a new tab. Review its sharing instructions before continuing.
What is a declarations page?
It summarizes your policy, including covered vehicles, policy dates, limits and deductibles. An insurance ID card does not provide the same coverage detail.
Prefer another way? Contact our team. We can explain how to provide your documents. If you do not have current insurance, start a quote request.
What to expect
Sharing documents or requesting a quote does not start or change coverage. Confirm the effective date and required steps with our team.
When to review your policy
Bring us into the conversation when something changes:
- A teen starts driving or someone joins your household.
- You buy, replace, finance or lease a vehicle.
- You move or a student takes a car away to school.
- Your commute, mileage or vehicle use changes.
- Your renewal arrives and you want to understand the differences.
Questions before you choose
Does “full coverage” mean everything is covered?
No. Ask which coverages, limits, deductibles and exclusions are included. The phrase alone does not describe a specific policy.
Can you compare my current policy with a quote?
Yes. Share your policy information through Canopy Connect or contact our office. Tell us about changes so we can discuss them alongside the documents.
Do I have to use Canopy Connect?
No. You can call our office or contact the team to arrange another way to share your information.
Can you guarantee a lower price?
No. Pricing depends on the drivers, vehicles, coverage choices and underwriting. We can help you understand the quote and how it compares.
Helpful consumer resources
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.