Auto Insurance Quotes & Companies

If you're new to this topic auto insurance can be overwhelming. There are so many coverage types, deductable amounts, potential accounts, coverage amounts, and companies to choose from. The first thing to do is learn the basics. What is auto insurance? It is insurance that protects you against losses involving the use of automobiles. What are the coverage types? The type of insurance coverage you get will be based on your state's minimum legal requirements, any leasing requirements, and your comfort level. The types include liability to coverage liability coverage of bodily injury, property damage, medical payments, and the physical damage coverages of collission and comprehensive. Liability coverage is usually quoted as a three part number like "100/300/50", which means for any incident your car insurance company covered for $100,000 in bodily injury per person, $300,000 in bodily injury in total, and $50,000 in property damage. Collission coverage normally pays for damage to your car as a result of a covered accident another vehicle. This type of coverage will cover the repair or replacement of your insured vehicle up the cash value of the car. Comprehensive coverage protects you against any unforseen disasters unrelated to accidents. These can include theft, vandalism, fire, ice, earthquakes, falling trees etc. Uninsured / underinsured motorist coverage is importent to include in yours policy since roughly 20% of drivers do not have insurance, and many have the state minimum coverage. This will protect you and passengers for bodily injury resulting from a covered accident caused by an uninsured or underinsured driver or for damage to your car caused by an uninsured vehicle. Personal Injury Protection is coverage that provides reimbursement for medical bills of you and your passengers regardless of who’s at fault, and for resulting lost wages. This typically provides coverage for an insured person for certain reasonable and necessary expenses and is not available in all states.

The various car insurance companies will offer discounts to their customers so it is important you inquire regarding any potential savings. You may be eligible for a clean driver's discount, which means you have had a clean record for an extended period.