What’s covered with our policies
Gem State Insurance protects you from the most serious hazards on the road — the ones you expect, and the ones you don’t.
Here is a summary of the key auto insurance coverages we offer:
- Liability coverage — bodily injury and property damage
- Comprehensive and collision coverage
- Medical payments coverage
- Uninsured and underinsured motorist property damage
- Towing and labor coverage/roadside assistance
- Accidental death benefit
- Newly acquired vehicle coverage
- Injured pet coverage
Available discounts
Gem State offers a variety of auto insurance discounts to keep your protection affordable:
- Certain anti-theft devices
- Certain safety devices (four-wheel anti-lock brakes/passive restraint)
- Insuring more than one vehicle on your Gem State policy
- Also insuring your home (and umbrella) with Gem State
- Good student and away-to-school
- Various pay plans/paperless policy
- Trucks and sport utility vehicles (Certain states/products)
- Accident forgiveness (certain states/products)
- Telematics (certain states)
- Prior coverage discount (certain states)
- Occupational discounts (certain states)
Your local independent Gem State agent can ensure you have the right coverage at the right price.
Find a local agent.