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Our trusted experts compare top providers to bring you tailored options that save money and offer the coverage you want
Why Swyft Insurance?
Monterey Credit Union collaboration and member benefit
We work with vetted and trusted carriers who will compete to get the best rate for you
You don’t pay unless we can help you save
Live US-based operators and licensed agents to help you and answer your questions
Want Even More Savings and Better Protection?
Many people don’t realize they may be missing out on additional savings or are carrying gaps in their coverage. With a comprehensive policy review, we’ll look at all your insurance—from car and home to life—and make sure every part of your protection is up to date and as cost-effective as possible. Our experts will help identify coverage gaps, update your policies for recent life changes, and find possible discounts across all lines of insurance
We work with multiple trusted insurance providers like these to get you the best rate.
Frequently Asked Questions
Car insurance is a contract that protects drivers against financial loss from accidents, theft, and other road-related risks. Most states require a minimum level of coverage by law, but higher coverage is encouraged to protect yourself and your assets.
Core coverages often include liability (bodily injury and property damage), collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Optional add-ons like roadside assistance or rental reimbursement are also available.
At minimum, comply with your state's legal requirements. For better protection, many drivers choose higher limits and additional coverages, such as comprehensive and collision, based on their financial situation and vehicle value.
Collision covers damage to your car from a crash, regardless of fault. Comprehensive covers non-collision incidents, like theft, vandalism, fire, or natural disasters.
Generally, yes—most personal auto policies extend to rental cars within the same coverage limits. However, always check your specific policy for exclusions or limitations.
In most cases, yes, as long as the car is primarily parked at your residence. Each insurer may have different rules, so it’s best to confirm with your provider.
If you regularly drive vehicles you don’t own, you can purchase a non-owner policy for basic liability protection.
Yes. Discounts may be available based on good driving records, bundling with other policies, vehicle safety features, low mileage, and more. For the best rates, be sure to request Swyft 360, a full policy review of your insurance needs.
You can update your policy—such as adding or removing vehicles, drivers, or coverages—at any time by contacting your insurance provider or logging in online. Note that changes may affect your premium[1].