Because the road to happiness begins with the right coverage.

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What goes into the price of auto insurance?

Insurance companies use all kinds of information to try and predict how likely you are to get in an accident.

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What's the difference between comprehensive, collision and liability?

Knowing the difference can help you make the right purchase.

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Top 5 myths about auto insurance

We're calling out some of the biggest myths about auto insurance to help you feel less intimidated and more informed.

Buying auto insurance

Stillwater offers more than just competitive rates. We offer quality, value and outstanding service.

When you buy auto insurance, look for a provider that:

  • Offers coverage limits that protect your auto and assets if you're at fault in an accident
  • Customizes a policy to fit your needs, with coverage options like collision and comprehensive, uninsured/underinsured motorist, towing and rental
  • Recognizes your loyalty with a discount for "bundling" your auto and home policies
  • Rewards you for things like being a good driver, buying a car with safety and theft-prevention technologies, and having a good student on the policy
  • Has representatives ready to help you get back on the road as quickly as possible after a claim
  • Has a solid reputation and high ratings by independent evaluators

With the exception of your home, your car may be the most valuable thing you own. It's an investment you rely on every day to commute, shuffle kids, run errands and have fun. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Get rewarded with money-saving discounts

Stillwater's already-low rates get even better with discounts. Here are just a few we offer:

  • Accident/Violation Free
  • Good Driver
  • Good Student
  • Multi-Car
  • Multi-Policy
  • Paid-in-Full
  • Paperless
  • Theft Protection and Safety Device

Choose a deductible that fits your budget

The deductible - which you choose when you buy a policy - is the amount you have to pay before the insurance company starts to pay for a covered loss. Generally speaking, the higher the deductible you choose, the lower your premium.

*These are generalized coverage descriptions. Our Auto contract includes more detailed definitions.

Coverages and discounts may not be available in all states or situations.

  • Bodily Injury Liability - Pays if you cause an accident that injures another driver and/or passengers
  • Property Damage Liability - Pays if you cause an accident that damages someone's property
  • Collision - Pays for physical damage to your car when it collides with another object, such as a tree or a second vehicle
  • Comprehensive - Pays if your car is stolen, or damaged by something other than a collision with another vehicle (examples include fire, flooding or hitting an animal)
  • Uninsured/Underinsured Motorist - Pays if you're in an accident caused by someone with little or no insurance
  • Rental - Reimburses your rental costs if your car is being repaired under a collision or comprehensive claim
  • Towing - Reimburses you if your car needs to be towed to a shop for a covered repair
  • Medical Payments - Pays for necessary medical treatments, and other costs (including ambulance transportation, x-rays or nursing care), in the event of an accident
  • Personal Injury Protection - Pays medical bills for any person injured in your car in an accident, regardless of who's at fault. (Available only in select states)