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MyAuto Policy® from EMC provides complete protection for your basic auto needs, plus a full selection of optional coverages so you can tailor your insurance for your needs. On top of that, you can work with a local independent insurance agent in your community who is dedicated to finding you the best coverage at a competitive price.

Personal auto insurance from EMC offers coverage for:

  • Liability (includes bodily injury and property damage)
  • Medical payments
  • Personal injury
  • Uninsured/Underinsured motorists
  • Uninsured motorists property damage
  • Collision
  • Other than collision (comprehensive)
  • Towing

Expand Your Coverage

Policyholders who have their vehicles insured with liability, comprehensive and collision coverage from EMC also benefit from the following coverages:

  • Rental Vehicle — Pays for damage or loss of a rental vehicle that you are legally obligated to pay and for loss of use (a deductible applies)
  • Increased Transportation Expenses
  • Increased Nonowned Trailer
  • Deductible Waiver — Waives the “other than collision” deductible in the event of a total loss
  • Airbag — Reimburses the reinstallation cost of an airbag that accidentally deployed

Get Rewarded

EMC offers several discounts* that can make a significant difference in your auto insurance premium:

  • Bonus Renewal Plan — Available if you insure your auto with EMC for three consecutive years; waives surcharges for your first at-fault accident
  • Combination Policy Discount — Available when you insure both your auto and home with EMC
  • Multi-Car Discount — Available if you insure more than one auto under the same policy
  • Electronic Funds Transfer (EFT) — Available to policyholders who elect to have their direct-billed policies paid monthly by EFT

*Policy premium discounts may vary by territory.

Personal Lines Advantage
When you insure both your home and auto with EMC, you benefit from these additional free coverages:

  • Single (Highest) Deductible — Applies if both auto and home are involved in the same loss
  • Pet Medical — Covers up to $500 for domestic cats or dogs injured or killed due to a covered loss in the home or car (no deductible applies)
  • Emergency Lockout Coverage — Pays up to $200 for reasonable expenses incurred for services needed to gain entry into a covered auto or residence (no deductible applies)

Find an agent

A local independent insurance agent near you can help you find the right insurance for your needs.

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Policyholder Access

Policyholder Access gives you quick, secure access to your personal insurance information.

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