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The path to low-cost car insurance
Almost every state requires drivers to get car insurance. So, how do you get the best price?
Finding an affordable car insurance policy requires you to compare rates from a variety of insurers. Getting quotes allows you to find a policy that fits your budget, and we can help.
We gather quotes from trusted insurance companies, making it easy to review car insurance coverage solutions. However, you also need to consider the types of coverage that you want and other policy features.
Explore auto insurance coverage
Shopping for car insurance starts with deciding on coverage options. You’ll need at least your state’s minimum requirements for car insurance, which varies across the country.
Most states require liability coverage, but you can also get coverage to extend your protection. Here’s a quick look at some of the most common car insurance coverages.
Liability coverage
Liability coverage is mandatory in almost every state. This type of coverage pays for damage or injuries to another party when you’re the one responsible for causing the accident.
For example, you hit another car and are found at fault. The driver of the other vehicle suffers minor injuries. Their vehicle also requires repairs. Liability coverage covers these costs up to the limit of your policy, which is often $25,000 to $50,000 per person and $50,000 to $100,000 per accident.
Comprehensive and collision coverage
While liability coverage pays for damages to other people’s property, comprehensive and collision (also known as “other than collision”) coverage pays for damages to your vehicle. These types of coverage are not typically required but offer extra protection against damage or theft.
For example, you’re involved in an accident and you need your car repaired. Collision coverage covers your repairs up to your limit, whether you’re at fault or not.
With comprehensive coverage, you may also file a claim if your vehicle is stolen or suffers damage from fire, storms, or hail.
Uninsured/underinsured motorist
Uninsured/underinsured motorist coverage, which is also sometimes abbreviated as UM/UIM, can cover your medical costs if the other driver is at fault but lacks adequate insurance.
This type of coverage is also optional but provides protection when the other driver doesn’t have the liability coverage needed to pay for injuries and repairs.
For example, another driver hits your vehicle and is found at fault. However, they don’t have a car insurance policy. UM/UIM coverage ensures that your costs are covered.
Roadside assistance
Roadside assistance is an optional type of coverage available with many car insurance policies. It covers the cost of towing services when you suffer a vehicle breakdown, such as engine failure, a flat tire, running out of fuel, or getting locked out of your vehicle. This can provide greater peace of mind when traveling across the state or the country.
For example, your vehicle breaks down in the middle of a long trip. With roadside assistance, you can easily arrange for a tow truck to come get your vehicle and tow it to a repair shop in the area.
