Auto Insurance

Cruise comfortably with reliable car insurance at an amazing rate

  • Stay covered on the road with top-rated car insurance
  • Get the right coverage at an affordable rate
  • Work with industry-experts ready to help
man with car on tow truck after accident

Finding Car Insurance is Easy with ONIT Home

Whether you’re cruising down the street or fulfilling a cross-country road trip, car insurance is always a must-have. Just like you wouldn’t get behind the wheel without your driver’s license, you shouldn’t start your car without a trusty policy tied to your vehicle. At ONIT Home, we’ve got different coverage options to protect you and your ride from the unpredictable roads ahead.

We work with top insurance companies and compare policies to find you the best rate and coverage. Pick between comprehensive, collision, and more specialized offerings with our robust coverage options.

Let’s get started today! Learn how we can customize the perfect car insurance policy for you at a great rate.

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ONIT Home and Goosehead Insurance

Separate the Best from the Rest

We partnered with Goosehead Insurance because time is money. When you join our team, we’ll save you both. Our agents analyze and compare car insurance policies to find the best choices for you. We’ll show you the top choices and put the power of information right in your pocket.

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concerned woman driving

Why Do I Need Car Insurance?

Car insurance is required for drivers in most states. Getting the coverage that’s right for you offers peace of mind, no matter where your journey takes you. The last thing we want to think about on the road is something going wrong. Vehicle insurance is a secure safety net offering protection if you’re found at fault for an accident.

Sometimes accidents happen on the road that aren’t your fault. We can help you with that, too. Unpredictable weather conditions, like hail storms or lightning, can cause severe damage to your vehicle. We’ll help you build a policy that’s flexible and ready for anything.

Let’s get started today. Call us at 1-833-433-0331 to get the right policy for your car.

What Does Car Insurance Cover?

What does insurance cover? It depends on your policy. Typically, vehicle insurance covers damage from an accident and offers financial backup if you’re liable for injuries or damages. Not sure what to include in your policy? Here’s some of the top coverage options available.


Comprehensive insurance is just that–a thorough policy that’s ready for those sneaky surprises. Use this coverage to help finance replacement or repairs to your car if it’s damaged or stolen in a non-collision accident. Common incidents a comprehensive policy will cover your car against include fire/explosions and severe weather damage from hail, lightning, tornadoes, hurricanes, earthquakes, or floods. It also covers theft, vandalism, destruction from animals, and falling objects (tree branches).

Bodily Injury Liability

Say you’re at fault for someone’s injury in an accident. Liability insurance will help you cover the medical expenses. If you’re sued for damages, the policy will assist in covering the payment for a legal defense. Typically, this coverage is required in most states.

Property Damage Liability

If you’re at fault in an accident, property damage liability coverage will cover payments to repair the physical damage or repair fees to the other party’s vehicle or property. If you’re sued for damages, the coverage will assist in covering the payment for a legal defense. Typically, this coverage is required in most states.


If you hit an object (tree or telephone pole) or vehicle, collision coverage will help pay for the repairs, no matter if you’re at fault. Common situations in which a collision policy will cover your car include accidents with another vehicle, accidents with an object (a fence, telephone pole, or guard rail), and single-vehicle collisions (rolling or falling over).

Personal Injury Protection (PIP)

Beefing up your insurance policy with Personal Injury Protection (PIP) covers the healthcare costs of injuries in a car accident to policyholders and passengers inside the vehicle regardless of who’s at fault. Passengers don’t need health insurance to access the coverage. PIP is primarily available in no-fault states.

Find your perfect policy today!

Call us at 1-800-810-2145 or fill out your information for your digital agent.

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man after car accident

How Much Car Insurance Do I Need?

When it comes to insurance, it’s never one size fits all. Questions like “how much car insurance do I need” are answered by reviewing your personal needs and driving history, then meeting with an insurance expert to find the policy that checks all the boxes. Our team of licensed brokers can help you find the perfect insurance coverage.

Fill out your information to meet with our digital agent or call us at 1-833-433-0331 to get started.

Different Types of Vehicle Insurance

In this day and age, there’s more than one way to get around and enjoy a good adventure. Whether you’re setting sail on your dream boat, riding off on a motorcycle, or traveling across the country in your RV, there’s an insurance policy to keep you covered.

  • RV
  • Boat
  • Motorcycle

Give us a call to find out how we can help cover your vehicles with insurance at a rate that works for you.

insurance agent at accident site

We’ll Find You The Right Coverage at the Best Price

Who says shopping for insurance was difficult? At ONIT Home, you can leave searching for the right coverage to us. We search the best companies to match you up with the one that aligns with your needs. We’ll make sure you’re left with no surprises, just great insurance coverage at an affordable rate to keep you protected on the road.