Everyone on the road needs car insurance. That’s because all states require some degree of insurance to protect not only the driver, but other motorists as well. 

In addition to meeting legal requirements, car insurance helps protect you from financial loss in the event of an accident. Without the proper coverage, you could be responsible for the cost of car repairs, property damage, medical bills, lost wages, and more. 

It depends. Car insurance, specifically liability coverage, is required in nearly every state. That’s because liability coverage helps cover someone else’s bodily injury or property damage when you are determined to be at fault. To get the most complete protection for your individual needs, talk with an insurance agent.

All states have their own requirements. Contact an insurance agent to learn about your state’s minimum requirements. 

There are several factors that auto insurance companies use to help determine your rate:

• Driving history
• Vehicle type
• Vehicle age
• Average miles driven in a year
• Deductible amount
• Coverage limits

Typically, you will need to provide your car’s make, model, and year, as well as some personal information like your name, address, and drivers license number. You may also need a list of everyone who will drive the car, your current policy information, and an estimate on weekly mileage. 

When comparing quotes from auto insurance companies, make sure you carefully review the included coverages before factoring in the price. A lower premium could mean less coverage or a higher deductible. 

Car insurance generally covers rental cars with the same coverage limits and deductibles as your policy. If you are unsure of your coverages, review your policy or call your agent. 

MissionSafe is a great learning tool for first-time drivers! This usage-based program logs driving behavior to provide personalized insights and reward safe driving. As a parent, you’ll be able to monitor your teen’s driving and turn their data into teachable moments. 

For most auto claims, you can file in two easy ways:

• Submit via MyWestfield
• Call 800.243.0210, option 3

If you’re reporting an auto glass claim, you can submit the claim online or call Westfield Glass Service at 800.810.3665. Make sure you have your policy number, date of the incident, and vehicle identification number ready.

Our claims experts are ready to help you 24 hours a day, seven days a week.

We only offer our insurance products through trained and knowledgeable independent agents. We take great care and consideration in choosing our agency force to ensure they’re a good fit for both Westfield and our customers. Find an agent near you with the expertise you need to get the right policy.