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Auto Insurance: Choosing the Right Coverage and Saving Money

Know Your Auto Insurance Options

If you drive a car, you need auto insurance. But how do you know what level of coverage is right for you? There are so many options available when it comes to auto insurance coverage, choosing the right policy can be a daunting task. We understand auto insurance, and we are here to help you.

Our insurance experts have put together all of the information you need to know to make sure you are getting the best deal on auto insurance. From our comprehensive glossary of auto insurance terms to our tips and advice on finding discounts, we are here to help you understand your options.

Different Auto Insurance Coverage Options For Different Needs

All states require that you carry at least a minimum amount of liability insurance, but the amount of coverage required varies according to the state you live in. Your state's department of Motor Vehicles can answer all of your questions regarding minimum coverage requirements where you live.

Basic liability insurance comes in two parts: Bodily Injury Liability and Property Damage Liability. Bodily Injury Liability covers the cost of personal injury to others as a result of an accident, up to the limits set when you purchase your policy. Property Damage Liability protects you from the cost of damage to another person's property as the result of an accident, also based on limits set at the time of the policy's purchase. While some people choose to carry only the state-minimum amounts of liability insurance, most drivers choose to add coverages that will also protect their assets from loss.

Uninsured and Underinsured Motorist Coverage

Along with Liability coverages, a few states also require drivers to carry coverage against uninsured or underinsured drivers. These additional coverages protect you from loss resulting from an accident in which the other driver either does not have insurance or whose insurance coverage is insufficient to cover your loss. Although you usually see them lumped together as a single option, they are actually two distinct types of coverage. Even in states where these types of coverage are not mandatory, many drivers choose to purchase Uninsured/Underinsured Motorist coverage to protect them in the event they are in an accident where the other driver is not properly insured.

Comprehensive and Collision Coverage

If you are leasing a vehicle or purchasing one through a lender, you will probably be required to carry comprehensive and collision coverages on your vehicle in addition to the basic liability insurance. Most leasing agencies and finance companies require this coverage to protect their investment in the vehicle. Comprehensive coverage protects your vehicle from damage caused by natural disasters such as hail and fire, vandalism, animals and other no-fault disasters. Collision coverage protects your vehicle from damage caused by an accident involving another vehicle. With collision coverage, your vehicle is protected whether or not you are found to be at fault in an accident.

Medical Payments Coverage and PIP

Medical payments coverage is a type of optional auto insurance available to automatically cover all immediate injuries resulting from a car accident that require medical attention. With this type of auto insurance, you and everyone in your vehicle are covered – regardless of who was responsible for the accident. Depending on the specific policy, lost wages and other financial losses may also be covered under a medical payments policy.

Personal Injury Protection – or PIP – is similar to medical payments coverage, but covers a broader range of losses. Many “No-Fault” states require drivers to carry PIP, and so do Maryland, Delaware and Oregon. PIP covers not only medical expenses and lost wages, but also compensates for “pain and suffering” and funeral expenses.

Auto insurance companies also offer additional types of coverage, often at steep discounts. There is Roadside Assistance coverage, which will pay to tow your car, bring you gas, etc. Many companies also offer rental car coverage, which will pay for the cost of a rental car in the event that you need one because your vehicle is being repaired or replaced. Whatever your auto insurance coverage needs, we can help you find the right policy.

Know About Auto Insurance Discounts

There are many different insurance companies competing for customers in today's market, and most offer great auto insurance discounts to attract certain types of drivers. There are discounts for being a good driver and discounts for paying your premium in full. You might be able to get an auto insurance discount based on where you live or how much you drive you car. You can save money on auto insurance by installing anti-theft devices on your vehicle. If you have a teen just getting ready to drive, making sure he or she gets good grades in school could also earn you a discount on the price of your auto insurance.

Informed customers know how to save money, and auto insurance is no exception. By learning about the types of auto insurance discounts that companies offer, you can discover what types of discounts you might be eligible for. That's why we have included some important information in our insurance learning center about how to save money on your auto insurance and what kinds of discounts are available.

Know About Comparing Auto Insurance Quotes

Discounts aside, the best way to save money on auto insurance is to shop around. By taking the time to compare quotes from several different companies, many people fond that they can easily save hundreds of dollars per year on their auto insurance premiums. Today, comparison shopping has never been easier thanks to the Internet. With our auto insurance quote generator, you can quickly see policy prices from several leading insurance companies without making a dozen phone calls.

Best of all, if you like the price you see, you can purchase your policy online through our secure system and print your documents in the comfort of your home. Our online form takes only minutes to complete, so request your quote comparison today and see how much money you could save on your auto insurance.

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