At Gariworld, we believe great auto insurance should be flexible, transparent, and easy to customize. Our coverage options are designed around how you actually drive—so you can choose protection that makes sense for your life, not just your vehicle. Whether you’re looking for essential liability, balanced protection, or premium benefits, we make it simple to compare, customize, and save.
Essential Plan – Simple, Reliable Coverage That Keeps You Legal
Affordable protection that checks every box.
Our Essential Plan provides state-required coverage plus additional financial protection if you cause an accident. It’s built for drivers who want dependable, no-nonsense insurance that’s both affordable and straightforward.
Included Coverages:
- ✔️ Bodily Injury Liability
- ✔️ Property Damage Liability
- ✔️ Medical Payments / PIP
- ✔️ Uninsured / Underinsured Motorist (where applicable)
- Optional: Towing Coverage, Rental Car Reimbursement
Best For:
Safe drivers, part-time commuters, students, or anyone who wants cost-effective protection that meets legal standards without unnecessary extras.
Enhanced Plan – Smarter Coverage for Everyday Life
Protection that adapts to how you drive.
The Enhanced Plan builds upon our Essential coverage, adding comprehensive and collision protection to keep you covered against the unexpected—whether it’s a fender bender, theft, or storm damage. It’s the go-to choice for most drivers looking for security and value in one package.
Included Coverages:
- ✔️ All Essential Plan benefits
- ✔️ Collision Coverage
- ✔️ Comprehensive Coverage
- ✔️ Rental Car & Travel Expense Reimbursement
- ✔️ 24/7 Roadside Assistance
- Optional: GAP Insurance, Rideshare Coverage
Best For:
Families, commuters, or anyone who drives newer or financed vehicles and wants peace of mind from life’s unpredictable moments.
Elite Plan – Total Protection with VIP-Level Benefits
Comprehensive coverage designed for ultimate peace of mind.
The Elite Plan is our most complete coverage package. It includes every feature from the Enhanced Plan plus premium benefits like full replacement value and specialized protection for high-value or customized vehicles.
Included Coverages:
- ✔️ Everything in the Enhanced Plan
- ✔️ Full Replacement Value (no depreciation)
- ✔️ Custom Equipment & Accessories Coverage
- ✔️ 24/7 Claims Concierge Service
- ✔️ Identity Restoration Support
- Optional: Zero-Deductible Glass Repairs
Best For:
Luxury car owners, frequent travelers, high-mileage commuters, or anyone who wants premium coverage and exceptional service at every turn.
