Protection Tuned to Your Life — Not a Template

At PolicyPug we recognize that insurance is personal. Some drivers need low-cost coverage that satisfies legal requirements; others want broad protections for newer or financed vehicles. That’s why our plan lineup is built to be flexible, straightforward, and easy to compare — so you can pick what matters most.

Starter Plan | Essentials Done Right

Compact coverage that keeps you legal and protected without unnecessary extras.

The Starter Plan focuses on required protections and affordable premiums. It’s ideal for second cars, older models, or drivers who prioritize a low monthly cost while staying legally compliant.

Core features:

  • ✔ State-required liability limits
  • ✔ Medical payments / PIP (where applicable)
  • ✔ Basic uninsured/underinsured motorist coverage
  • ✔ Digital ID and policy management
  • Optional add-ons: Towing & labor, rental reimbursement

Best for:

Drivers seeking low-cost protection and simple, predictable coverage for everyday use.

Everyday Plan | Balanced Protection

A pragmatic mix of vehicle protection and affordability.

Our Everyday Plan expands on the essentials with coverages that protect your vehicle from common non-collision losses and cover repair costs after an accident — whether you’re at fault or not.

Core features:

  • ✔ All Starter Plan features
  • ✔ Collision coverage (repairs after an accident)
  • ✔ Comprehensive coverage (theft, weather, vandalism)
  • ✔ Roadside assistance & rental reimbursement

Best for:

Daily drivers, families, and owners of newer vehicles who want sensible protection without premium-level pricing.

Elite Plan | Maximum Coverage & Care

Top-tier protection with concierge-level service.

Designed for high-value vehicles, leased cars, or drivers who want minimal out-of-pocket risk. The Elite Plan includes enhanced limits, replacement benefits, and extras that make claims easier to manage.

Core features:

  • ✔ Everything in the Everyday Plan
  • ✔ GAP coverage for financed vehicles
  • ✔ Coverage for custom equipment and accessories
  • ✔ Priority claims handling and dedicated support

Best for:

Leased, financed, or luxury vehicle owners and drivers who value comprehensive protection and premium service.

Side-by-Side Plan Snapshot

Feature Starter Everyday Elite
Minimum Liability Included Included Included
Medical Payments / PIP Included (state-dependent) Included Included
Collision Coverage Optional Included Included
Comprehensive Coverage Optional Included Included
Roadside Assistance Add-on Included Premium
Rental Reimbursement Add-on Included Included
GAP Coverage Not available Optional Included
Replacement Cost Not available Not available Included
Custom Equipment Not available Optional Included
Dedicated Claims Support Standard Expedited Priority Concierge
Identity & Theft Protection Not included Optional Included

Need a Hand Choosing the Right Plan?

Picking the best coverage is easier when you can compare practical trade-offs — deductible vs. premium, limits vs. out-of-pocket exposure, and which add-ons truly matter for your driving patterns. Start with a quick quote and our tool will show recommended options based on your vehicle, driving history, and priorities.

You can begin with a Starter Plan and upgrade later, mix options across plans, or speak with our licensed advisors for personalized guidance. We’ll help you balance cost and protection without pressure.

Why Flexibility Matters

Life evolves — and so should your coverage. PolicyPug makes it simple to change your plan, adjust limits, or add drivers through your dashboard or mobile app. There’s no long wait or stacks of forms — just instant updates and clear confirmation whenever you make a change.

Quick changes you can make online:

  • Switch deductibles and coverage limits
  • Add or remove drivers and vehicles
  • Enable optional protections and endorsements
  • Update payment schedules and billing methods

Our goal: give you direct control so your policy always matches your needs.

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