New Car Replacement Coverage

If you total your new car in the first five years, Premier New Car Replacement® coverage pays to replace it with a brand new car of the same make and model. Many other insurers offer coverage for just the first two or three years.

What Does Premier New Car Replacement Cover?

Premier New Car Replacement is a coverage package designed to replace your new vehicle with a brand new vehicle of the same make and model if yours is totaled in the first five years of ownership.

You must be the original owner (not a lessee) and the vehicle must be the current or a future model year at the time you add this coverage. Both Comprehensive and Collision coverage must be present on the vehicle for New Car Replacement Coverage to apply.

This coverage includes:

New Car Replacement Coverage

This covers the cost of a new car of the same make and model, minus the applicable deductibles, if your car is totaled in a covered loss.

Loan/Lease Gap Coverage

This coverage protects you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.

Glass Deductible

This is a lower deductible that can be applied in place of your comprehensive deductible for a glass-only loss involving your windshield, windows, and exterior lights or mirrors.