Cars come in all shapes and sizes, and the right insurance needs to reflect that. From daily commutes to seasonal driving and collections, Prizm helps match coverage to how vehicles are actually used.
Many auto policies look the same on paper but differ when it comes time to file a claim. We work with leading carriers to secure protection that accounts for unique risks, higher-value vehicles, and complex situations, so coverage is there when it’s needed most.
Auto Insurance
Protection for everyday vehicles, luxury models, collector cars, and specialty vehicles.
Coverage highlights
Agreed-Value Coverage: Your coverage provides peace of mind by allowing you to replace a totaled vehicle with one of like kind and quality. When your policy is issued, we’ll work with you to determine a fixed amount you will be paid in the event of a total loss, regardless of depreciation and without a deductible
New Car Replacement: Replaces your stolen or totaled vehicle with a comparable auto in the latest model for qualifying autos
Cash Settlement: Gives you the option to accept a cash settlement when the physical damage to the auto is 50% or more of the agreed value
Lease Gap Coverage: If you have an existing loan or lease, a total loss won’t leave you with the out-of-pocket expenses associated with its outstanding balance. If your car is irreparable and your agreed value settlement doesn’t cover the full amount of the loan or lease, your policy is designed to cover the difference
Worldwide Coverage: If you rent or borrow a vehicle for up to 90 days anywhere in the world, your policy covers both property and liability damage
Extended Transportation Expenses: If your vehicle needs repairs following a covered loss, we’ll put you in a rental vehicle that’s of like kind and quality to your own, and we’ll have it brought to you. And if your vehicle breaks down more than 50 miles from home, this coverage can also be applied to hotel accommodations, meals and additional travel expenses
Original Manufacturer Replacement Parts: If your car can be repaired, we will help ensure that repairs are performed to the highest standard. Your policy covers the full cost of original equipment manufacturers’ (OEM) parts, regardless of wear and tear on existing parts
Protection from the Uninsured: If an uninsured driver is responsible for damage to your vehicle, your Collision coverage will apply without a deductible
Roadside Assistance: Covers expenses for emergency repairs, towing and associated labor expenses if your vehicle is disabled
Lock Replacement: Covers expenses to replace locks if keys or remote unlocking devices are lost or stolen
| Coverage Features | Standard Market | Prizm |
|---|---|---|
| Agreed Value | No - Actual Cash Value is paid at time of loss |  |
| New Car Replacement | | |
| Cash Settlement | | |
| Lease Gap Coverage | | |
| Worldwide Coverage | No - Limited to U.S. | |
| Extended Transportation Expenses | Typical coverage is a per day limit with a small total limit | Yes – No per day limit, large total limit. $5k-$15k depending on carrier |
| Original Manufacturer Replacement Parts | No – will use, used or aftermarket parts | Yes – only repair vehicles with OEM parts |
| Roadside Assistance | Only pays to get you to nearest service station (15 mile limit) | |
