costco car insurance

 Costco offers car insurance through its partnership with CONNECT, which is part of American Family Insurance. This exclusive auto insurance program is available to Costco members and offers competitive rates, special discounts, and a variety of coverage options. Here are the details of Costco’s car insurance:

1. Coverage Options:

• Liability Coverage:
  • Pays for bodily injury and property damage if you’re responsible for an accident.
• Collision Coverage:
  • Covers damage to your car in the event of a collision, regardless of fault.
• Comprehensive Coverage:
  • Protects your vehicle from non-collision incidents like theft, fire, vandalism, or natural disasters.
• Medical Payments or Personal Injury Protection (PIP):
  • Covers medical expenses for you and your passengers regardless of fault in an accident.
• Uninsured/Underinsured Motorist Coverage:
  • Covers costs if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough to cover the damages.
• Rental Car Reimbursement:
  • Provides reimbursement for a rental car if your vehicle is being repaired after a covered accident.
• Roadside Assistance:
  • Offers help for issues like flat tires, dead batteries, or towing services.
• Gap Insurance:
  • Covers the difference between what you owe on your car and its actual value if your car is totaled.

2. Benefits for Costco Members:

• Exclusive Discounts:
  • Costco members can receive significant discounts on auto insurance policies through CONNECT. The savings may be higher for Executive Members.
• Roadside Assistance Included for Executive Members:
  • Executive Members automatically receive roadside assistance coverage as part of their insurance policy.
• Glass Repair Reimbursement:
  • Costco members can take advantage of zero-deductible windshield repair coverage through their policy.
• Lifetime Renewability:
  • For Costco members in certain states, CONNECT offers guaranteed policy renewals, provided the policyholder meets specific conditions (such as maintaining their membership and following policy guidelines).

3. Discounts Available:

• Safe Driver Discounts: Available for drivers with a clean driving record.
• Multi-Policy Discount: If you bundle auto insurance with other types of insurance, like home or renters insurance, through CONNECT.
• Multi-Vehicle Discount: Available when insuring more than one vehicle on the same policy.
• Good Student Discount: For students who maintain good grades.
• Vehicle Safety Features: Discounts for vehicles with safety features like airbags, anti-lock brakes, and anti-theft devices.

4. Customer Service & Claims:

• 24/7 Claims Reporting: You can file claims online or over the phone at any time.
• Customer Service: CONNECT offers customer service support via phone or online, making it convenient for policyholders to manage their insurance needs.
• Accident Forgiveness: Available in some states, this feature prevents your premium from increasing after your first at-fault accident, provided you meet certain conditions.

5. Cost and Premiums:

• The cost of Costco car insurance through CONNECT depends on a variety of factors including:
  • Driving Record: A clean driving history usually results in lower premiums.
  • Location: Rates vary depending on where you live.
  • Vehicle Type: Make, model, and age of your car will affect the insurance cost.
  • Coverage Levels: The types of coverage and limits you choose will also impact your premium.
• Costco Membership Discounts: Executive members typically receive additional savings on their premiums compared to regular Costco members.

6. How to Get a Quote:

• Costco members can get a free, personalized insurance quote through the Costco website or by calling CONNECT directly. The process is straightforward, requiring basic information about your vehicle and driving history.

7. Eligibility:

• Costco Membership: You need to be a Costco member to access this insurance program. Both Gold Star and Executive Members are eligible, but Executive Members may receive more benefits.
• Location: CONNECT insurance is available in most U.S. states, though availability may vary slightly depending on local regulations.

8. Advantages:

• Exclusive Savings: Costco members can access discounts that may not be available elsewhere.
• Comprehensive Coverage Options: Includes everything from basic liability to additional options like roadside assistance and rental car coverage.
• Seamless Claims Handling: The claims process is designed to be straightforward and customer-friendly, with support available 24/7.
• Roadside Assistance for Executive Members: This benefit adds extra value for higher-tier Costco members.

9. Disadvantages:

• Only for Costco Members: You must maintain a Costco membership to access this insurance, and non-members cannot benefit.
• Availability: Coverage is available in most states, but not all. You’ll need to check if CONNECT is available where you live.

10. Contact Information:

• Website: Costco Auto Insurance – CONNECT
• Phone: 1-855-531-9253 (for new customers and quotes).

Costco’s car insurance through CONNECT is known for its competitive rates and additional discounts, especially for Executive Members. It’s a solid option for Costco members looking for comprehensive and affordable auto insurance with the backing of a reputable insurance provider.