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Auto insurance from Chartermoto, shaped around your vehicle, your goals and your pace.

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What we offer

Auto insurance support that works for you

Chartermoto provides auto insurance built around your needs. Whether you want to understand the basics, think through optional protections or simply have questions about a policy, we help you find a sensible path forward. Our process is straightforward and flexible, with real human support instead of scripts or sales pitches.

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Liability

Understand the foundation of your policy.

Liability coverage is designed to help with costs when you are responsible for injury or property damage to others. We explain how it works and how limits come into play.

  • Bodily injury and property damage explained
  • Information on state minimum requirements
  • Questions worth asking about policy limits
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Collision & comprehensive

Learn what covers your own vehicle.

Collision coverage may help with repairs to your vehicle after a crash, while comprehensive coverage may help with events like theft, vandalism or weather. We explain where each one applies.

  • How each coverage is typically used
  • How deductibles work
  • Considerations for newer, financed or leased vehicles
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Roadside & rental

Know your options when plans get interrupted.

Optional add-ons can help when a breakdown or repair disrupts your routine. We describe what roadside assistance and rental reimbursement typically include.

  • Towing, jump-starts and lockout help
  • Rental reimbursement during repairs
  • Terms and limits explained up front
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Financed & leased

Make sense of lender requirements.

If your vehicle is financed or leased, there may be coverage requirements to meet. We help you understand common terms and what to ask about.

  • Typical lender and lessor requirements
  • Gap-related add-ons explained
  • Clear, respectful conversations
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Policy questions

Start with a conversation, not a contract.

Not sure where to begin? We are happy to talk through your situation and help you understand what is possible. There is never any pressure or obligation.

  • A conversation with a real person
  • Honest, plain advice tailored to your questions
  • Support even if you are not ready to decide
Is this for me?

Situations we often talk through

If any of these sound familiar, a short conversation can help you see your options more clearly.

Ask a Question
A first-time policy Adding a vehicle or driver Moving to a new state A financed or leased vehicle Questions about a current policy Optional add-ons Understanding policy terms Just exploring your options
Before you reach out

Helpful things to have nearby

None of these are required — but having a few on hand can make the first conversation more useful.

Driver details

Driver’s license information for each person who will drive the vehicle.

Vehicle basics

Year, make and model, plus a rough idea of how often you drive.

Current policy

If you have one, your declarations page — or just your questions about it.

Next step

Not sure which option fits?

Tell us a little about your vehicle and we will walk through what is possible — with no pressure and no obligation.