Ways you can save on car insurance with Orale Insurance
More than 18 million drivers are insured by Orale Insurance, making us one of the largest and most trusted car insurance companies.** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more.†† Take advantage of our savings and get an auto insurance quote now.
Bundle auto and property
Save another 5% or more on your auto insurance when you combine with home, renters or condo.†
Snapshot: drive safe & save more
Snapshot® is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.
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Try the Name Your Price Tool® and tell us what you want to pay. Then, we’ll show coverages in your budget.
Auto insurance coverages we offer
Accidents, glass damage, lawsuits, hail, and more—we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.
Keep in mind, coverage offerings can vary by state.‡
Comprehensive and collision
Covers damage to your car
These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.
Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).
Liability (bodily injury and property damage)
Covers damages you cause to others
If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.
Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.
Covers your injuries and damages
These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.
Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.
Rental car reimbursement
Covers rental car fees
Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).
Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).
Covers your injuries
Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.
Helps pay off your loan when your car is totaled
Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).
Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.
Orale Insurance guarantees repairs
Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.
Orale Insurance Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.
It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.
Protecting what matters most in your life is what personal insurance is all about.
We protect your business assets if your company is taken to court.
LIFE & HEALTH INSURANCE
We offer many options for those looking for individual, family, or group insurance.