GARAGE DIGITAL
Garage Digital. Insurance. Sorted. Auto, Life and Travel insurance.
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INSURANCE.
Sorted.
Garage Digital offers Auto, Life and Travel insurance. Bring us the policy question and we'll help you check the coverage, understand the terms and compare the details that set one option apart from the next.
- 01 AUTO Vehicles, drivers, limits, deductibles
- 02 LIFE Income, dependents, policy amounts
- 03 TRAVEL Trips, inclusions, limits, exclusions
THE DETAILS BEHIND AN AUTO POLICY.
Choosing Auto coverage involves more than naming the vehicle. Here are eight details people commonly review before deciding, laid out like a spec sheet.
See Auto Policies08
Details / One vehicle
How the vehicle is used
Commuting, errands, business trips or the occasional weekend drive. How a car spends its week is often one of the first questions.
Who regularly drives it
The people who take the wheel most often, not only the person whose name is on the title.
Coverage limits
The maximum amounts a policy may pay for covered claims. They vary by policy and by type of coverage.
Deductible choices
What you may pay toward a covered loss before the policy contributes. More on this a little further down.
Liability coverage
Relates to covered injury or auto damage to others when you are legally responsible, within the policy's terms.
Collision and comprehensive options
Options that can address covered damage to your own vehicle, from collisions to certain non-collision events.
Vehicle characteristics
Year, make, model, safety equipment and condition are details commonly requested during a review.
Household driving situation
Several drivers, several cars, a newly licensed family member. The picture at home matters too.
THREE AUTO TERMS.
THREE DIFFERENT JOBS.
Liability, collision and comprehensive often get mentioned in the same breath, yet each one does a different job. Hover, tap or use the arrow keys to compare them.
In plain terms
Liability coverage generally relates to covered injury or auto damage to others for which the insured is legally responsible, subject to the policy's terms and limits.
Worth checking
The liability limits on the policy and how they are structured for injuries and for auto damage.
In plain terms
Collision coverage generally concerns covered damage to the insured vehicle resulting from a collision, subject to the policy terms and the deductible.
Worth checking
The deductible attached to this coverage and which vehicles on the policy include it.
In plain terms
Comprehensive coverage generally concerns certain covered non-collision events involving the insured vehicle, such as some weather or falling-object situations, subject to policy terms and deductible.
Worth checking
Which events the policy lists, which it excludes, and the deductible that applies.
A HIGHER NUMBER HERE CHANGES WHAT YOU PAY THERE.
Definition
A deductible is generally the amount the policyholder is responsible for on a covered loss before the applicable insurance payment, depending on the policy.
Different deductible choices can affect both what you may pay after a covered loss and the overall cost of the policy.
A / After a covered loss
Your share of a covered loss is smaller. More of the remaining amount may fall to the applicable insurance payment, subject to limits and terms.
A / Policy cost
The deductible level can influence the cost of the policy. Ask how it changes between options before deciding.
B / After a covered loss
Your share of a covered loss is larger before the applicable insurance payment begins, subject to limits and terms.
B / Policy cost
A different deductible level can mean a different policy cost. Compare both options side by side, not one alone.
Illustrative proportions only. They do not represent a Garage Digital policy or recommendation. Which deductible suits you depends on your situation and the policy terms.
WHO ELSE DRIVES THE CAR?
A fictional household: two adults, a newer primary vehicle, an older second car and two different routines. These are the questions worth asking when a household like this reviews Auto insurance.
- 01 Weekdays
- 02 Weekends
- 03 Since the policy started
Driver A commutes in Vehicle 01, the newer car. Driver B uses Vehicle 02 for local errands and school runs.
Who regularly drives each vehicle?
Is one car used mainly for commuting?
On weekends Driver B takes Vehicle 01 on longer trips, while Driver A runs errands in Vehicle 02.
Are there multiple vehicles in the household?
Does each driver regularly use more than one car?
Vehicle 01 replaced an older car last year, and Driver B now commutes twice a week.
Have vehicle or driver details changed since the policy was arranged?
Does the policy still list the right people next to the right cars?
When several people and vehicles share the same driveway, getting the details organized becomes especially useful.
Illustrative scenario. It does not describe the coverage anyone must buy or how a specific insurer will treat a situation.
Talk it throughTHE CAR IS ONE PART OF THE picture.
Auto is where many conversations start. Two others come up often: the people who rely on your income, and the trips you're planning. Garage Digital offers Life and Travel insurance too.
02 / Life
03 / Travel
LIFE
Life insurance can be worth considering when other people rely on your finances: a spouse or partner, children, a household that runs on your income, or debts that would still need paying. A useful starting point is the list of responsibilities, then the policy.
- Q1Who depends on your income?
- Q2What financial responsibilities would continue?
- Q3What policy type and amount are you considering?
TRAVEL
Travel insurance options can address different travel-related situations, depending on the policy. Before choosing, read exactly what is included, the limits, the exclusions and any conditions that apply to your trip.
- What type of trip are you taking?
- Which situations does the policy address?
- What limits or exclusions apply?
- Does existing coverage overlap with anything in the travel policy?
FIVE THINGS WORTH READING BEFORE YOU DECIDE.
Auto, Life or Travel, these five checks apply to almost any policy you're looking at. Scroll through them one at a time.
Check 01 / Coverage
What coverage is actually included?
Read the list of coverages on the policy itself rather than the summary in your head. Note which ones apply to which vehicle, person or trip.
Check 02 / Limits
What limits apply?
Limits are the maximum amounts a policy may pay. Check each one, because different coverages often carry different limits.
Check 03 / Out of pocket
What deductible or out-of-pocket responsibility applies?
Find the amount you may be responsible for on a covered claim, and whether it differs from one coverage to another.
Check 04 / Fine print
Which exclusions or conditions deserve attention?
Exclusions and conditions shape when coverage applies. A few careful minutes here answer questions before they come up.
Check 05 / Accuracy
Are the people, vehicles, trip details or financial responsibilities represented accurately?
Drivers, cars, travel dates, dependents. If the details on paper don't match real life, that's worth sorting out.
Auto. Life. Travel.
BRING US THE INSURANCE QUESTION.
WE'LL HELP YOU SORT IT OUT.
GARAGE DIGITAL
Auto / Life / Travel
Bring us the insurance question.
We'll help you sort it out.
Auto, Life and Travel insurance. Pick a bay below to find what you came for, or pull into the lit one and send us your question.
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