No. 01New-Vehicle Replacement
If a newer car is totaled early in ownership, an optional replacement feature may help with a new model rather than only the depreciated value — subject to your policy terms and availability.
Auto insurance from Brsmoto
Coverage that earns its place on every drive
Brsmoto provides auto insurance that bends with your routine and the road ahead — explained clearly, so choosing protection never feels like guesswork.
Daily commute or weekend getaway — think through protection for your vehicle, wherever you are headed.
Your route to clarity
Flexible plans
Policy terms in plain language
Jargon-Free Explanations
Coverage spelled out clearly, before you decide.
Helpful People, Clear Answers
Talk to our team whenever you prefer a conversation.
Online Account Access
Review policy details and documents online.
Where coverage can help
Four everyday situations, one conversation
Real-life moments that our coverage options are designed to address.
No. 01
No. 02Uninsured Driver Protection
When the other driver has little or no coverage, uninsured and underinsured motorist protection may help with your costs, within the limits of your policy.
No. 03Roadside & Trip Help
Towing, trip-interruption and roadside options can help when a flat tire or breakdown interrupts your day, with assistance arranged when you call.
No. 04Plans Shaped Around You
Short city commute or long highway miles, your policy can be built around your habits and lifestyle instead of a one-size template.
Features worth knowing
A thoughtful kind of auto policy
Three everyday features that make a Brsmoto policy feel less like paperwork and more like backup.
Claim Status Updates
Follow your claim through each stage with online status updates, so you know where things stand.
Accident Forgiveness Options
Ask whether accident forgiveness may be available after a first incident. Availability depends on eligibility, your state and your policy terms.
Safe-Driving Resources
Practical driver-education tips and resources that support careful habits behind the wheel.
How it works
Four clear steps from question to coverage
Getting started is simple, and every step is explained along the way.
Step 1
Request a quote
Share a few basics through our secure form — it only takes a moment.
Step 2
Talk through options
A member of our team walks you through coverage choices in plain language.
Step 3
Pick your plan
Choose the coverage levels and add-ons that suit your vehicle.
Step 4
Drive & review
Revisit your coverage whenever your routine, vehicle or household changes.
Built around you
Flexible by design
Build a policy around what you need
Good auto coverage should reflect your life. That is why Brsmoto focuses on clear explanations of limits, deductibles and add-ons, so you can shape a plan around your own priorities.
Policy options, availability and eligibility vary by state and are subject to policy terms. Our team can explain what applies to you.
- Adjustable coverage limits
- Optional add-ons
- Multi-vehicle households
Core coverages can include property damage, medical payments, towing and uninsured motorist protection, depending on the plan and state.
Built to keep up
Coverage that keeps pace with your life
Your driving life changes over time, and your policy should be able to change with it. Brsmoto lets you ask about adjusting coverage as your routine, your vehicle or your household shifts.
Quote requestsShare your details through our online form.
Claims & updatesAsk about starting a claim or editing details.
Talk it throughOur team is there when you prefer a person.
Fewer forms, clearer answers and a plan that reflects how you actually drive — that is the Brsmoto approach to coverage.
One team, many kinds of drivers
Clarity over confusion. Flexibility over fine print.
Drivers reach out to Brsmoto for straightforward explanations and policies that flex with real life — rush-hour traffic included.
We talk with individual drivers, families and students, with the same goal every time: coverage that is easy to understand.
Helpful advisors are within reach, whether home is a city street, a highway exit or a quiet backroad.
How we work
What to expect from a conversation
Three principles guide every question we answer.
Principle 01
We listen first, so the information we share is relevant to your vehicle and your routine.
ListeningPrinciple 02
We explain coverage in everyday words, so each option is easy to follow.
ClarityPrinciple 03
You decide whether and when to move forward. We offer information, not pressure.
Choice
Common questions
Straight answers, no fine print
A quick look at how Brsmoto coverage works. Have another question? Our team is happy to help.
After you file, progress updates are available through your online account, so you can see which stage your claim has reached.
It is an optional feature offered with some policies that may affect how a first at-fault accident is treated. Eligibility and details depend on your state and your policy terms.
You can ask our team about pairing auto with other policy types. Availability depends on your state and eligibility.
Roadside and rental support can include towing, jump-starts, fuel delivery and lockout help, depending on the options you add to your policy.
Not necessarily. You can review details and request updates online — and our team is available if you would rather talk it through.
Your driver’s license details, your vehicle’s year, make and model, and information about any current policy will help us prepare your options.
Your next stop
Ready to explore your coverage options?
Request a personalized quote and find out how Brsmoto fits your driving life.