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Encompass® Auto Insurance

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Enjoy the road ahead.

Your car is an important part of your daily life. So you need an insurance policy that can keep up. Encompass offers auto policies designed for wherever the road leads.

Our auto coverage offers:

Standard features

BODILY INJURY LIABILITY

Covers injuries caused by an accident in which the insured driver is legally liable.

PROPERTY DAMAGE LIABILITY

Covers damage to property caused by an accident in which the insured driver is legally liable.

COLLISION

Pays for damage to your vehicle or trailer if you collide with another car or something else like a building, bridge or tree—or if someone else hits your parked car.

COMPREHENSIVE

Protects insured vehicles or trailers damaged by events other than collisions, like theft, fire or hail.

UNDERINSURED MOTORISTS - BODILY INJURY

Covers an insured’s bodily injury from an accident in which the other driver involved is at fault and doesn’t have adequate insurance.

UNINSURED MOTORISTS - BODILY INJURY

Covers an insured’s bodily injury from an accident in which the other driver involved is at fault and doesn’t have insurance.

MEDICAL PAYMENTS COVERAGE

Can help pay for some medical costs or funeral expenses if you or anyone in or on your vehicle is injured in a covered accident.

AUTOMOBILE DEATH INDEMNITY

Pays the death benefit if an insured person dies from injury caused by a covered accident.

ENCOMPASS RIDE SHARE3

Helps fill gaps between a ride-sharing company's commercial policy and your personal auto insurance policy.

ACCIDENT FORGIVENESS3

Starting the day you sign up, your rates won't go up just because of an accident and you're protected even if it was your fault.

AUTO REPLACEMENT PROTECTION3

Covers the replacement of an insured vehicle, in the event of a total covered loss, with a current model year, if possible, or a new car of similar make and model for vehicles up to 2 years old. Vehicles that are 3 to 15 years old may be replaced with a newer car (within 20,000 miles) of similar make and model. Also includes loan/lease gap coverage.1

ROADSIDE ASSISTANCE3

Covers towing, battery, tire and lockout assistance.

TRANSPORTATION EXPENSE COVERAGE3

Helps pay for daily car rental, ride-sharing expenses or public transit passes while your vehicle is disabled.

FULL SAFETY GLASS3

No deductible if you have a glass only claim (rock hits your windshield, etc.).

NEW OEM PARTS3

Covers the replacement of your car parts with original manufactured equipment.

TRIP INTERRUPTION INSURANCE3

Covers daily cost of transportation, lodging and food expenses if your vehicle is disabled by a covered loss or by mechanical or electrical breakdown while on a trip away from home.

AUDIO SYSTEM COVERAGE3

Helps pay for the loss to an audio or video system that is permanently installed in an automobile.

PORTABLE ELECTRONICS AND MEDIA COVERAGE3

Adds coverage for the loss to portable electronics such as media players and phones when the loss occurs in (or on) a vehicle.

CUSTOM EQUIPMENT - COMPREHENSIVE/COLLISION3

Adds protection for non-manufacturer custom equipment added to a covered vehicle such as rims, window tints and custom interiors.

TRAVEL TRAILER CONTENTS COVERAGE3

Pays for damaged contents in a non-motorized travel trailer as a result of lightening or fire.

FARM VEHICLE

Includes increased weight limit for vehicles used on a farm, like trucks, and excludes actual farm vehicles, like tractors.

We help drivers save with numerous auto insurance discounts. Your Encompass Independent Agent can help identify what you are eligible for, such as:

CONNECTED DRIVER

Save when enrolled in the Connected Driver Program.

MULTI-POLICY

Applies if you purchase more than one policy with Encompass—earn the largest discount when you bundle home and auto.

ACCIDENT/VIOLATION FREE

Qualify for being free of chargeable accidents, major violations or minor violations for 60 months.

PAY IN FULL

If the auto policy is paid in full on the date at which the policy is issued.

HOMEOWNERS DISCOUNT

Applies to all vehicles if the insured owns a home, condominium, townhouse or mobile home.

NEWLY INDEPENDENT

Applies to a non-married driver (ages 21-24) who transitions from a parent’s Encompass policy that was in effect for at least 36 months.

GOOD STUDENT

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.

NEW CAR DISCOUNT

Applies to vehicles that were purchased new (not previously titled).

DRIVER TRAINING

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

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 a vehicle at school.

GOOD PAYER

Automatically receive this discount until you are late on a payment.

FUTURE EFFECTIVE DATE

You can save on your policy if it is quoted 7 or more days prior to the effective date.

EASY PAY

Enjoy discounts just by using the Encompass Easy Pay® automatic payment feature.

MOTOR VEHICLE ACCIDENT PREVENTION2

Successfully completing an approved driving course within the past 36 months.

DEFENSIVE DRIVER DISCOUNT3

Discount applies to drivers that voluntarily complete a Motor Vehicle Accident Prevention course which meets their state’s criteria.

PREFERRED PROTECTION4

Applies to all vehicles if the insured has multiple cars, owns a home and has prior liability limits of 100/300 or 300,000 CSL.

ANTI-LOCK BRAKE SYSTEM4

Applies to private passenger vehicles and motorhomes equipped with factory installed two or four wheel Anti-Lock Braking Systems (ABS).

PASSIVE RESTRAINT SYSTEM DISCOUNT4

Applies to medical/personal injury protection (PIP) if air bags or a motorized automatic belt restraint system are factory installed.

ANTI-THEFT DEVICE4

There are different types of theft devices (passive, active special lock and VIN etching). A discount to comprehensive coverage applies, depending on the device.

FULL COVERAGE5

Customers qualify when they insure their vehicle at full coverage as opposed to liability only or comprehensive only coverage.

Our agents can help guide you.

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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