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Things to Remember...
  • Do your research and know what you need before looking for auto insurance quotes
  • Besides the mandatory liability coverage, we suggest considering supplemental options so that you are fully covered
  • Comparison websites, company websites, and auto insurance agents are the three best ways to get instant auto insurance quotes

If you are just beginning to look for auto insurance, it can be a daunting task. With so many different kinds of car insurance, it can be confusing to know what you need for coverage and how much to buy.

Once you know what you want to buy, then you can get instant quotes and make your decision rather quickly.

Our FREE car insurance comparison tool can give you quotes now when you enter your ZIP code above.

Understanding Auto Insurance Coverage

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Buying and comparing auto insurance is not a simple “one size fits all” process. The right kind of insurance you need depends on many things, including:

  • What kind of car you drive
  • How much you drive your car
  • What you can afford

Ultimately, car insurance provides you with financial protection if you get involved in an auto accident, paying for related repairs and medical expenses and saving you from potential lawsuits that could put your personal assets in jeopardy.

Let’s talk about the most basic auto insurance liability and three other types of coverage we would highly recommend.

Liability Auto Insurance

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All but three states require you to carry a minimum amount of liability car insurance coverage if you want to drive legally and register your vehicle. If you drive an older car, liability insurance may be the only type of car insurance you want or need to purchase.

Liability is the least expensive form of auto insurance for most people. However, the minimum mandatory amount of liability insurance provides very little protection for you if you cause an accident.

Liability car insurance pays for repairs to damage from accidents that you cause and also for medical expenses related to accidents you cause.

However, it does not pay for damages to your car or for medical expenses that you or your passengers receive if you caused the accident.

Since repairs for property damage average more than $60,000 per incident and medical expenses can be in amounts greater than $100,000 per incident, it is important to purchase additional liability insurance if you can afford it.

Personal Injury Protection

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Personal injury protection is another kind of auto insurance that may be mandatory coverage, since it is required in 14 states.

Personal injury protection, also known as PIP or “no-fault insurance,” pays for medical expenses related to an accident, regardless of who is at fault.

In addition to hospital bills, it can be used for rehabilitation costs, lost wages, and legal expenses related to an accident.

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Comprehensive Insurance

Comprehensive auto insurance is voluntary unless your car is leased or financed with an auto loan, in which case it is required by the lender.

Comprehensive insurance provides coverage for repairs not related to moving accidents, including damage that is the result of:

  • Hail
  • Flying rocks
  • Storms
  • Fire

It also provides coverage if your car is stolen or vandalized.

Collision Insurance

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Collision car insurance provides coverage for your vehicle if it is involved in an accident.

No matter who is driving the car or if you are actually in the car, damage will be covered.

For example, if your car is parked on the street and you return to find it has been involved in a hit and run accident, repairs will probably be covered by collision insurance.

Getting Instant Auto Insurance Quotes

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There are numerous places you can go to get instant quotes for car insurance. One of the best places is insurance comparison websites.

Comparison websites allow you to enter your personal information one time, and you receive multiple insurance quotes. You may receive some of these quotes immediately on the website or, alternatively, via email or a telephone call from an agent or insurance company representative.

Insurance comparison websites contract with insurance agents and companies to provide rate quotes to potential customers.

Another source for instant car insurance quotes is auto insurance company websites. Almost all insurance companies have corporate websites that provide you with detailed information about their company and the various products they offer.

In addition to receiving a quote for auto insurance, you can also request quotes for homeowners, renters, and life insurance if they offer these forms of insurance.

You may also discover that you can get lower rates if you purchase more than one type of insurance.

You can also go to an independent insurance broker to get instant quotes. In most cases, an independent agent has a website that will allow you to request a quote for auto insurance. You can usually call them on the telephone or stop by their office in person to talk to them about your insurance needs.

Often, within minutes, they can provide you with premium rate quotes from several different companies for comparison.

Keep in mind that even if you get an instant quote for auto insurance, the premium rate may change when the insurance company receives and processes your application. Unreported accidents or tickets on your driving record can negatively affect your insurance premiums.

Additionally, car insurance companies now use credit scores as a determining factor when setting insurance rates, so if your credit is poor, your rates may increase from the instant quote rate.

When buying car insurance, it is important to understand what you are buying and what kind of protection you need. Also, compare premium rate quotes from at least three companies before making a final decision and review your rates each time your policy comes up for renewal.

Compare rates in our FREE online comparison tool when you enter your ZIP code below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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