Auto, motorcycle & watercraft.
Your vehicles deserve coverage that fits how you use them. Lux shops across multiple A-rated carriers to find the right combination of price, service, and protection.
Coverage for what you drive
Protect what you've put into your vehicle with coverage drivers can tailor to their needs.
- Liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Gap coverage
- Accident forgiveness
- Repair / replacement after theft
- Medical costs
Personal vehicle FAQ
How much liability should I carry?
Massachusetts minimums are low — we typically recommend 100/300/100 at minimum, with higher limits or an umbrella for households with assets to protect.
Should I drop collision on an older car?
A common rule: if 10x your collision premium is more than the car's value, it may not be worth it. But if the car is your only transportation, the math changes.
Will my rate go up after one accident?
It depends on the carrier, the accident, and whether you have accident forgiveness. We'll quote across carriers — some are far more forgiving than others.
Can I insure a classic or collector car?
Yes. Agreed-value policies are designed for collector vehicles and are usually much cheaper than a standard policy on the same car.
Coverage that fits how you ride and drive.
Bundle home, auto, and toys for serious savings — we compare across carriers.