Auto
Insurance
Auto Insurance That Keeps You Moving Forward
At Brightplan, we know life doesn’t pause when the unexpected happens. That’s why our auto insurance is designed to protect you, your passengers, and your vehicle — with customizable coverage that fits your life and your budget.Whether you’re commuting to work, road-tripping across the country, or simply running errands, our plans give you the confidence to drive knowing you’re protected.
What’s Covered?
Our auto insurance plans include a full suite of protections and you choose how much or how little you need:
Protects you financially if you’re at fault in an accident that causes injury or property damage to others.
Helps pay to repair or replace your vehicle after a crash, regardless of who was at fault.
Covers damage to your car from theft, vandalism, natural disasters, falling objects, and more.
Covers medical costs for you and your passengers after an accident — no matter who was at fault.
You're still protected even if the other driver has little or no coverage.
Flat tire? Dead battery? Locked out? We’re here 24/7 to get you back on the road.
Discounts to Help You Save More
We reward smart, safe driving and responsible planning. Here's how you could lower your premium
- Bundle & Save: Combine auto and home policies.
- Safe Driver: Clean driving record? That’s money back in your pocket.
- Drive Less, Save More: Don’t drive much? You could pay less.
- Anti-Theft Devices: Extra protection, extra savings.
- Good Student Discount: For high-performing students on your policy.
Add-On Options for More Peace of Mind
Want to take your coverage even further? We offer
- 1. New Car Replacement: If your new car is totaled, we help you replace it with a brand-new one, not just a depreciated payout.
- 2. Accident Forgiveness: Your rate won’t go up just because of your first accident.
- 3. Rideshare Coverage: Drive for Uber or Lyft? We’ve got a plan that fills in the coverage gaps between your personal policy and the company’s.
How It Works
Just answer a few quick questions — no pressure or commitment.
Choose from essential protection to full coverage with optional upgrades.
We automatically apply every savings opportunity you're eligible for.
File claims, view documents, and update your coverage anytime.
Frequently Asked Questions
Full coverage typically includes both collision and comprehensive insurance. While not required by law, it’s highly recommended if your car is newer or financed, since it covers repairs or replacement if your vehicle is damaged or stolen.
Collision covers damage from accidents with another car or object. Comprehensive covers events like theft, vandalism, falling trees, or weather damage — basically anything that isn’t a collision.
Our uninsured/underinsured motorist coverage steps in to pay for your injuries and damage if the other driver can’t.
Yes — you can list household members, teens with learner’s permits, or even roommates. Just let us know who drives your vehicle regularly.
You can report a claim online, through our app, or by calling us 24/7. We’ll walk you through each step and help get you back on the road quickly.