Everything you want to know about your car insurance

Open the Sigo Seguros chat and type your ZIP code. Then answer a few questions about you, your drivers and your car. If you prefer, send a photo of your license or registration and the assistant reads the details from it.

The assistant searches several insurers and shows you the options sorted by price. You pick one, answer the insurer's questions to confirm your final price and, if everything checks out, you pay and sign in the same conversation. Your proof of insurance arrives when you finish.

Prices and coverage are subject to underwriting, eligibility and state filing.

It is faster and easier than a long form: you answer one question at a time and can write the way you talk. You get answers to your questions on the spot, so you choose with more information, and you see options from several insurers without leaving the conversation.

You can start from your phone at any hour, and if you get interrupted you can pick your quote back up later. If you want to talk to a person at any point, an agent joins the same chat.

No. Sigo Seguros has no app: the chat opens in your phone or computer browser, with nothing to install.

Not yet. Prices you see before the last step are estimates. Your final price is confirmed after the insurer's questions and before you pay, and it is subject to underwriting, eligibility and state filing.

No. Nothing is bought until you confirm the final price. You make the payment yourself, with your own card, and signing your documents is also up to you. A licensed Sigo Seguros agent handles issuing your policy with the insurer.

Yes. At any time you can ask for a Sigo Seguros agent to join the chat, or write to us on WhatsApp, call us at (877) 476-7446 or email info@sigoseguros.com. More ways to reach us on our contact page.

Yes. The Sigo Seguros MCP (Model Context Protocol, an open standard) lets compatible assistants start your quote and look at options from several insurers without leaving their chat. You add our server to your assistant and ask it to quote; there is nothing to install.

The assistant does not send your personal data or complete payments without your explicit confirmation of the final price. You finish your purchase on WhatsApp with our team or on the web.

The price varies by driver, and quoting is free. You can do it in minutes with the chat or on the web. With your ZIP code and your car and driver details, you see an estimate of the options available for your profile.

What moves the price includes your age, driving history, vehicle, state and the coverage you pick. Prices and coverage are subject to underwriting, eligibility and state filing.

Your ZIP code, details of the vehicles you want to insure (year, make and model, or VIN) and information about the drivers. Depending on the insurer, you may be able to choose between monthly payments or a 6-month policy.

Yes. You can quote and buy with a passport, consular ID or a foreign license. If you have a U.S. license, you must use it when you quote, and if you get one during your policy, tell us so we can add it. Approval and options depend on each insurer and your state.

Yes. You do not need a Social Security number: you can use your ITIN to quote and buy. Approval and options depend on each insurer.

We accept valid photo IDs: a U.S. license, an international license, a passport or a consular ID. Your immigration status is not a requirement to quote with us.

We accept credit and debit cards, including most prepaid cards with the Visa or Mastercard logo.

Once your purchase is complete and your payment is approved, you receive your proof of insurance by email and can show it if asked. The start date of your coverage appears in your documents.

You can get a quote. Your driving history affects the price and the options available, and each insurer evaluates it its own way. We help you find the best price for your situation.

You must declare it. Depending on the insurer, it may be possible to insure your vehicle for that use, usually with a commercial-use surcharge. If you do not declare it, your policy could be canceled or an accident might not be covered. While the platform's app is active, the platform's own insurance usually applies.

It depends on the insurer and the state. Tell us how many drivers and vehicles are in your household when you quote, and the chat or an agent will tell you your options.

These are the minimums in the states where we quote:

Texas, California and Arizona are at-fault states: whoever causes the accident is responsible for the other party's damages. Florida is a no-fault state. These are the legal minimums, not necessarily the coverage that is right for you.

It is the basic insurance required by law. It covers other people's injuries and property damage when you are at fault in an accident. It does not cover repairs to your own car.

Bodily injury liability: pays medical, funeral and legal costs for people injured in an accident you are legally responsible for. Property damage liability: pays for damage to other people's property that you are legally responsible for. Exact requirements depend on your state.

Collision, comprehensive, uninsured or underinsured motorist, personal injury protection (PIP) and medical payments. Which ones are available depends on the insurer and the state.

It pays to repair your own car if you crash, whether into another vehicle or an object such as a pole, a guardrail or a tree.

It covers damage to your car from events outside your control that are not a crash, such as theft, vandalism, fire, flood, hail or hitting an animal.

Both protect your own car and are usually bought together. Collision pays for damage from a crash while the car is moving. Comprehensive pays for damage from events you do not control, such as theft or weather.

It usually means having the three main coverages together: liability, collision and comprehensive. That way both damage to others and damage to your own car are covered. What each policy includes depends on the insurer and the plan you choose.

It protects you. If an at-fault driver hits you and flees, or has no valid or sufficient insurance, this coverage can help with your medical expenses or repairs, depending on your policy.

It covers medical expenses for you and your passengers if you are injured in an accident and, depending on the state and policy, lost wages, regardless of who was at fault.

They cover medical expenses for you and your passengers after an accident, regardless of who was at fault.

It is what you pay out of pocket before the insurer pays the rest of a covered repair. For example, if the damage is $3,000 and your deductible is $500, you pay $500 and the insurer pays $2,500.

It depends on your budget. A lower deductible means paying less if you have an accident, but a higher monthly payment. A higher deductible lowers your monthly payment, but you need to be ready to pay that amount if you crash.

If you are still paying off or leasing your car and it is a total loss, a regular policy pays the car's current value, which is often less than what you owe. Gap insurance covers that difference.

It is not insurance. It is a certificate of financial responsibility that the state requires from drivers with certain serious violations, such as a DUI or driving without insurance. If you need one, the insurer files it with the state as proof that you carry the minimum required coverage.