Buying insurance through Caramel is completely optional. Simply tap or click “Skip Insurance”. However, having insurance for your vehicle is required. You will need insurance coverage before you sign your documents in the Signature step. If you skip this step, you can use your existing insurance or buy insurance directly.

After completing the Insurance step, you will be emailed a copy of your policy details including your insurance ID card.

Caramel connects you to over 100 carriers varying dramatically in size and specialty and displays the best quote for you across three common coverage levels. Once you select one and proceed, you have the option to customize coverage to your exact specifications and view other quotes.

You can.  When you dial the number on the insurance screen, the agent you speak with will share updated quotes with any desired adjustments, including added cars and other household members.

You can adjust your coverage as soon as you dial the number on the insurance screen.  You’ll have the ability to adjust your deductible and liability limits.  You can also add cars and other household members.  Once set, you'll receive an updated your quote from the selected carrier.

Property damage liability pays for property damage you cause someone else up to the policy limits purchased.

This coverage is mandated by law in some states and is typically required by lenders or leasing companies.

PIP insurance, also known as “no-fault” insurance, is required in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.

Physical Damage Coverage (sometimes referred to as “Comprehensive & Collision” coverage) pays the cost of repairs or replacement of your car, minus your deductible. 

Collision covers damage to your car from an accident with another car or a physical object, such as a highway median or curb. 

Comprehensive covers damage to your car from events other than a collision, such as theft, fire, hail, or vandalism.

This coverage is typically required by lenders or leasing companies.

Liability Coverage is for accidents that are your fault and is mandated coverage by law in most all states if you own and operate a vehicle on the highways. 

Bodily injury liability pays for bodily injury you cause someone else up to the policy limits purchased.  

Liability coverage does not pay for injuries to you or the people in your family. You can buy medical payments coverage for you and your family.

Liability coverage does not pay for repairs or replacement of your car whether you are at fault or not. To cover repair and replacement of your own car, you will need collision coverage for accident-related damage and comprehensive coverage for non-accident incidents, such as theft, vandalism, hitting an animal or storm damage.

After completing the Insurance step, you will be emailed a copy of your policy details including your insurance ID card containing your insurance company contact information.