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Car Insurance by Stonewall Insurance Group

Car Insurance

With nearly 300 million cars and trucks traveling on American roads, the need for reliable car insurance is very important. Protecting yourself and your investment can ensure your peace of mind on the open road. Explore our guide to car insurance and auto insurance options to find the coverage that suits your needs and budget.

The best coverage. The best service. The best price.

Drive confidently, knowing you're protected

Get the best coverage for the best price, with Stonewall Insurance Group’s roadmap to Car Insurance

Get a Car Insurance Quote

Every car needs car insurance in some way, shape, or form. The best place to start is with a free quote from Stonewall Insurance Group. We’ll compare all of the top insurance companies to get you the best coverage and the best price.

Other agents might try to cut corners and offer you limited coverage to make your policy seem cheaper, but it might cost you far more in the long run. We take everything about your situation into account, so you know you are getting the best deal around. 

Take a few minutes to fill out our form to get a free Car Insurance Quote.

If you want to insure a classic or collector car, click here.

What car insurance coverages do I need?

Finding the right coverage might seem daunting, but don’t worry, we’ll help you through every step of the process. We’ll make sure you fully understand what you’re getting and what might be overkill and unnecessary for your exact situation. That way, you always know you’re getting the best coverage for the best price.

This is a list of the coverage options you can get on your policy. Every state has its own requirements and versions of these coverages, but they usually mean pretty close to the same thing. This list is the 12-steps that Massachusetts uses for their car insurance policies. If you have any questions about the coverages offered in your state, give us a call and we’d be happy to help.

1. Bodily Injury to Others

Also called basic liability coverage, this is a requirement in almost all states. It covers injuries to other people involved in an accident when you are at fault. Usually states require a minimum of ’20/40 coverage,’ which covers a maximum of $20,000 per person injured and a maximum of $40,000 per accident.

2. Personal Injury Protection (PIP)

PIP provides coverage for medical expenses, lost wages, and essential services for you, your passengers, and pedestrians, regardless of fault. It can also be called “no-fault insurance because it covers your medical costs no matter who is at fault.

3. Uninsured Motorist Coverage

This step provides coverage if you or your passengers are injured by an uninsured or hit-and-run driver.

4. Property Damage Coverage

This covers property damage that you or a covered driver cause to another person’s property. This can include damage to other vehicles, buildings, or any other property you may damage in an at-fault accident.

5. Optional Bodily Injury to Others

Similar to number 1, Optional Bodily Injury Coverage to Others provides higher limits than the required coverage to protect your assets in case of a severe accident.

6. Medical Payment Coverage

Med Pay Insurance coverage will cover medical expenses, regardless of fault, for you, your family members, and passengers in the event of an accident.

7. Collision Coverage (at fault)

Collision covers the damage to your vehicle in case of a collision, regardless of who is at fault. It will pay for any repairs or even the replacement of your car if it’s deemed totaled.

8. Limited Collision Coverage

Limited Collision is silimiar to number 7, but it only applies when you are less than 50% at fault. 

9. Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision-related damages, such as theft, vandalism, or natural disasters. 

10. Substitute Transportation Coverage (rentals)

Substitute Transportation Coverage covers the cost of renting a replacement vehicle while your car is being repaired or replaced due to a covered loss.

11. Towing & Labor Coverage

This coverage provides reimbursement for towing and labor costs when your vehicle breaks down.

12. Under Insured Motorist Coverage

Underinsured Motorist Coverage offers additional protection for bodily injuries if the at-fault driver has insufficient coverage. It covers the gap between the other driver’s liability limits and your actual expenses.

Car Insurance

Looking to save?

Bundle Home & Auto Insurance

Save up to 25% when you bundle all of your insurance needs with us! We can insure almost anything you own, from your Rental Property to your Airplane!

The Right Coverage

Don’t pay for things you don’t need! At Stonewall Insurance Group, we take the time to understand your situation so you know exactly what coverage you need and what might be overkill.


There are discounts for low mileage, years of driving experience, a clean driving record, and even completing driving safety classes! Contact us to learn more about how you can qualify for more discounts!

FAQ’s about Auto Insurance

Can Car Insurance cover repairs or breakdowns?

Car insurance primarily covers damages and repairs resulting from accidents, theft, or other covered events. It usually does not cover routine repairs or mechanical breakdowns. For these, you might want to consider an extended warranty or a separate auto insurance policy that includes mechanical breakdown coverage.

What is a deductible?

A deductible is the amount of money you must pay out of pocket before your car insurance coverage kicks in. For example, if you have a $500 deductible and your repair costs are $1,000, you would pay the first $500, and your insurance would cover the remaining $500. Choosing a higher deductible often results in lower car insurance premiums.

What causes my Car Insurance rates to go up?

Several factors can cause car insurance rates to increase, including accidents, traffic violations, filing claims, changes in your driving record, the type of coverage you choose, and even external factors like your location. Maintaining a clean driving record and regularly reviewing your policy can help manage your rates.

What Auto Insurance is best?

The “best” auto insurance varies from person to person and depends on individual needs and circumstances. To find the best auto insurance for you, consider factors like coverage options, deductibles, customer service, and cost. At Stonewall Insurance Group, we can help you navigate this and find the right company for your needs.

How does Auto Insurance work?

Auto insurance works by providing financial protection in the event of accidents, theft, or other covered incidents. You pay regular premiums to your insurance company, and in return, they cover costs associated with covered claims, including repairs, medical expenses, and liability. The specific coverage and process can vary depending on your policy and the type of coverage you have. 

Have any questions? We're here to help

Contact us today to talk about getting your car or truck the coverage it needs.