Auto / Packs

Compare all 13

More included as you move up. The whole list stays visible.

Raindrops on the trunk of a parked car on a wet evening street

How to read this

Axora's Auto packs are built from one shared list of 13 coverage features, always in the same order, so you can see exactly where each pack expands. Availability and requirements can vary by policy and state.

Drive
Drive Plus
Drive Complete

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Coverage

13 rows. Same order in every pack.

Pack 01

08/13
included

Drive

Liability, your car, other drivers and a rental.

Pack 02+3

11/13
included

Drive Plus

Everything in Drive, plus roadside, towing and glass.

All 13

Pack 03+2

13/13
included

Drive Complete

Everything in Drive Plus, plus the final two.

01Bodily Injury LiabilityOther people's medical bills, lost wages and legal costs when you're at fault, up to your limits.
Included
Included
Included
02Vehicle Damage LiabilityRepairs to another driver's car, or a fence or guardrail you hit, when you're at fault.
Included
Included
Included
03Uninsured Motorist (UM)Injuries to you and your passengers if you're hit by a driver with no insurance. Required in some states.
Included
Included
Included
04Underinsured Motorist (UIM)Steps in when the at-fault driver's limits don't cover your costs. Required in some states, optional in others.
Included
Included
Included
05Medical Payments (MedPay)Medical bills for you and your passengers, regardless of who's at fault. Not offered in every state.
Included
Included
Included
06Collision CoverageRepairs to your car after hitting another vehicle or an object, minus your deductible.
Included
Included
Included
07Comprehensive CoverageTheft, vandalism, hail, fire, flooding, falling objects and animal strikes, minus your deductible.
Included
Included
Included
08Rental ReimbursementPays for a rental car while yours is in the shop after a covered claim, up to a daily limit.
Included
Included
Included
09Roadside AssistanceJump-starts, flat-tire changes, lockouts and fuel delivery when the car won't go.
Not in this pack
Added here
Included
10Towing & LaborTowing to a repair shop and on-the-spot labor after a breakdown, up to your policy limit.
Not in this pack
Added here
Included
11Full Glass CoverageWindshield and window repair or replacement. Deductible options vary by state.
Not in this pack
Added here
Included
12Accident ForgivenessYour rate won't go up after your first at-fault accident, where offered and you qualify.
Not in this pack
Not in this pack
Added here
13New Car ReplacementIf a newer car is totaled, pays toward a brand-new one of the same make and model instead of its depreciated value. Eligibility applies.
Not in this pack
Not in this pack
Added here
Included in this pack
08 / 13
11 / 13
13 / 13
Included Added here (hover or tap a row) Not in this pack

Pack features show what each pack includes. They are not a promise that every feature is available everywhere. Coverage availability, requirements and terms vary by policy and state, and some features, including Uninsured and Underinsured Motorist, Medical Payments, Accident Forgiveness and New Car Replacement, depend on state rules, eligibility or policy options. Limits, deductibles and prices are not shown here and are set by your policy.

Auto / Progression

What the additional coverage points add

What changes as the packs expand.

What am I actually gaining as I move from one pack to the next?

Fig. 02
Somewhere between 08 and 13.

Starting, convenience and additional-feature are simply how Axora organizes this comparison. They are not standard insurance-industry package categories.

08/13

Layer 01 / Drive

The starting layer

Liability protections for injuries and vehicle damage you cause to others, together with coverage connected to your own vehicle and to other drivers on the road. Some parts, like Uninsured and Underinsured Motorist and Medical Payments, depend on the policy and your state's options.

  • 01 Bodily Injury Liability
  • 02 Vehicle Damage Liability
  • 03 Uninsured Motorist (UM)
  • 04 Underinsured Motorist (UIM)
  • 05 Medical Payments (MedPay)
  • 06 Collision
  • 07 Comprehensive
  • 08 Rental Reimbursement

11/13

Layer 02 / Drive Plus

The convenience layer

Practical features for the moments a car stops cooperating: needing help at the roadside, getting towed, or dealing with damaged glass. What each one covers follows your policy terms.

+ all 8 from Drive, then:

  • 09 Roadside Assistance
  • 10 Towing & Labor
  • 11 Full Glass Coverage

13/13

Layer 03 / Drive Complete

The additional-feature layer

Accident Forgiveness and New Car Replacement, where offered and where eligibility requirements are met. Both depend on the policy, the vehicle and your circumstances.

+ all 11 from Drive Plus, then:

  • 12 Accident Forgiveness
  • 13 New Car Replacement

08 → 11 → 13

Each pack keeps everything from the one before it. Nothing included lower down is removed higher up.

Auto / Before you pick

Five things to look at

Look at the car and how you actually use it.

Before you settle on a level, look at the practical details around the car itself. These are considerations worth discussing, not recommendations or eligibility decisions.

Scroll. The notes arrive one at a time.

A white coupe parked on a wet city street at night under street lamps

Fig. 03 / Parked, between plans

  1. 01 / The vehicle itself

    A newer car, a financed car, an older car and a car used every day can each raise different coverage questions.

  2. 02 / How much you drive

    A daily commute and the occasional weekend drive are different usage patterns. Both are worth mentioning when you talk through coverage.

  3. 03 / Who drives it

    Think about everyone who regularly gets behind the wheel, and make sure their driver information is considered.

  4. 04 / Where it spends its time

    Street parking, a garage, city traffic or open highway. Where the car sits and moves can change which risks feel most relevant to discuss.

  5. 05 / What you'd pay yourself

    Which vehicle-related costs could you reasonably handle on your own, and which would you rather address through available coverage?

The pack name matters less than understanding what is included.

Life / Travel

Also from Axora

Auto isn't the only thing on the list.

A young man laughing at a candlelit dinner table with friends

Fig. 04 / Dinner, people, plans

Life / Get in touch

Life Insurance

Axora Auto also provides Life Insurance. If you're considering coverage connected to your financial responsibilities and the people who depend on you, contact Axora to discuss available options and the details worth reviewing.

Get In Touch About Life
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Airports Connections Destinations

Travel / Get in touch

Gate open

Travel Insurance

Axora Auto also provides Travel Insurance. If you have a trip coming up and want to discuss available coverage, contact Axora with the trip details relevant to your insurance questions.

Get In Touch About Travel
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Axora Auto

Auto / Life / Travel