New Car Replacement™ Insurance

If your new car is stolen or totaled in the first year, you'll get the money for a brand-new car, not just the depreciated value.1

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What is New Car Replacement?

Getting a new car is exciting! But you probably know it starts losing value the minute you start driving it. Most vehicles lose up to 10% of their purchase value within the first few months alone. New Car Replacement is extra protection against depreciation, specifically for new vehicles.

In the case of theft or an accident that totals your vehicle within the first year of ownership, or before you reach 15,000 miles, regular auto insurance will pay you for the value of your vehicle at the time of an accident (its depreciated value). New Car Replacement will pay you the amount it will cost to buy a brand-new vehicle with the same make and model. No need to worry about how much your vehicle has depreciated.

Brand new car with a bow on the hood.

Frequently asked questions about New Car Replacement coverage

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1Optional coverage in some states; availability varies by state. Eligibility rules apply.