---
title: Better Car Replacement | Clayton Hanley Insurance - St. Louis
description: What does "Better Car Replacement" mean? Clayton Hanley Insurance breaks down all your car insurance options and can help you choose the right policy.
---

# WHAT IS BETTER CAR REPLACEMENT COVERAGE?

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## Better Car Replacement Coverage

If selected by policyholders enrolled in Premier coverage, in the event of a total loss, better car replacement pays the actual cash value of the same make, model and equipment of an auto one model year newer than your covered auto (subject to certain limitations):

- **If the make and/or model of your covered auto has been discontinued** we will use the most similar make, model, and equipment of an auto one model year newer than your covered auto.
- **If the make and/or model of your covered auto has _not_ been discontinued** and a newer model year of your covered auto has not yet been manufactured or available, we will pay the limit of liability afforded under this endorsement.

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## Insurance Quotes

Give us some info and we'll help you find the best coverage options.

[Request a Quote](/auto-insurance/quote)

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### More About Auto Insurance Coverage Terms:

[Rideshare](/resources/rideshare-coverage)

[Chubb](/service#chubb)

[Foremost](/service#foremost)

[Hagerty](/service#hagerty)

[Liberty Mutual](/service#liberty-mutual)

[National General](/service#national-general)

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## AUTO INSURANCE in St. Louis, Missouri

Clayton Hanley Insurance is a local independent insurance agency serving individuals, families, and businesses in St. Louis, Missouri.

Because we partner with quality insurance carriers, we're able to offer a range of **auto insurance rates in St. Louis.** Contact us today to discuss your insurance needs.

[Call or Email](/contact)

[Request Quote](/auto-insurance/quote)

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