Your car is an important part of your daily life. So you need an insurance policy that can keep up. While the EncompassOne® Policy protects your car, home and more, we also offer standalone auto insurance in three levels of coverage, also referred to as Elite, Deluxe and Special. With rich features, high limits and valuable insurance discountsEncompass offers auto policies designed for whatever road life takes. In addition to the basics, our auto coverage has many included and optional features such as:
New Car Replacement
Your new car is an investment, and this can be a smart way to protect it. If your car is totaled due to a covered total loss, we'll replace your vehicle with a current model year, if possible, or a new car of similar size and class if your model is no longer availableall you pay is your policy's deductible. To qualify, your car must be under four model years old, you must be the original owner of the vehicle, and the coverage must be added when adding the car to your policy.
We understand that accidents happen to safe drivers, too. Accident Forgiveness can help keep you from incurring a spike in your premium because of an accident, which may be especially helpful if your policy includes a newly licensed driver. And when you upgrade to our Elite auto coverage, you get Enhanced Accident Forgiveness which applies to multiplenot just the firstat-fault accidents, starting the day you sign up.1
Loan/Lease Gap Coverage
As vehicles age and depreciate, a gap between the original amount of the loan and the car's value can start to widen. Loan/lease gap coverage would protect you in these cases and pay off the original loan. Coverage can be added to new (previously untitled) vehicles within 30 days of financing and the vehicle must have both comprehensive and collision coverage.
If you're stranded, Encompass Roadside Assistance offers 24/7 roadside service with a wide range of available features under your towing and labor coverage. And with the Encompass Roadside Assistance app, you can leave your worries behind knowing help is just a click away. The app is convenient, easy to use and free to download.
Auto Insurance for Teens
If you're purchasing auto insurance for your teenager, you're likely wondering about how adding a newly licensed driver could affect your existing policy. While it's no surprise it's likely to bump up your premium, there are steps you can take to minimize the impact. For example, having unlimited accident forgiveness, which comes included with our Elite auto coverage, can help save you money and provide invaluable peace of mind.
View teen driving tips, discounts and more
We help drivers save with numerous auto insurance discounts. Your Encompass Independent Agent can help identify discounts you're eligible for, such as:
Safe Driving Bonus.
Get up to 5% off your next policy premium if no covered driver on your policy has a chargeable accident in the last 12-month period.3
Future Effective Date.
You can save on your policy if it is issued 7 or more days prior to the effective date.
Encompass Easy Pay®.
Enjoy discounts just by using the Encompass Easy Pay® automatic payment feature.
New Car Discount.
Applies to vehicles that were purchased new (not previously titled).
Applies to all vehicles if the insured owns a home, condominium, townhouse or mobile home.
Good Payer Discount.
Automatically applies to all vehicles at the time of new business and continues on renewal as long as a cancellation notice for non-payment of premium was not sent during the past 12 months.
Defensive Driver Discount.
Applied when certain drivers have successfully completed an approved defensive driving course.
Anti-Lock Brake Discount.
Applies to private passenger vehicles and motorhomes equipped with factory installed two or four wheel Anti-Lock Braking Systems (ABS).
Anti-Theft Device Discount.
There are different types of theft devices (passive, active special lock and VIN etching). A discount to comprehensive coverage applies, depending on the device.
Passive Restraint System Discount.
Applies to medical/personal injury protection (PIP) if air bags or a motorized automatic belt restraint system are factory installed.
Good Student Discount.
Student drivers with a GPA of 3.0/B average or better qualify for this discount. The insured must present a certified statement from a school official at each anniversary date of the policy to qualify.
Driver Training Discount.
Applies to each youthful operator who is under 21, has successfully completed a driver's training course and has completed several hours of actual driving experience.
Resident Student Discount.
A student qualifies if he or she resides at a school, which is at least 100 miles from the insured's residence, and does not have any vehicle at school.
Talk to an Encompass Independent Agent about customizing an Encompass auto insurance policy that's right for you and your family.
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