Auto Insurance Comparison

When it comes to finding quality auto insurance that you can afford, it's not always easy knowing where to start and how to compare prices to find the best deal. We're here to make your search a little easier by explaining some of the facts about auto insurance and offering you easy to request quotes.

Start your auto insurance comparison now. Request a quote for an affordable policy today!

Basic liability coverage

The first thing to understand is how liability coverage works. Liability coverage is required in almost every state in order to legally drive or register your car. Liability coverage provides for your obligation to pay for bodily injury and property damage should you be involved in an accident and you are the driver at fault. You will usually come across this when comparing quotes and it's usually represented by three numbers (e.g. 20/10/40), which are the amounts, in thousands, that cover the following (in order of appearance):

• Bodily injury per person (in the example above, this would be $20,000 per person).
• Property damage (in the example above, this would be $10,000 per accident).
• Bodily injury per accident (in the example above, it would be $40,000 per accident).

The required amounts will be different from state to state, but they are known as "mandatory minimums," and they represent whatever is required in your state . Premiums will be different for liability coverage, as it's the minimum coverage amount you can get ; however, obtaining insurance for the mandatory minimums will usually yield you the lowest possible rate in your own state.

Additional coverage to consider in your comparison

With liability coverage, it may be the minimum and the absolute cheapest coverage, but the risk of obtaining such 'bare-bones' coverage is that it only covers the other person or people and property in an accident if you are at fault – not your own property or injuries. If you don't have any additional coverage you will have to pay for medical bills and damages to your own property out of pocket.

There are a few basic types of additional coverage you can buy that will help in the event of any accident, whether you are at fault or not. If you need coverage for your car in the event of an accident or a collision with an object or another car, collision coverage is a great option. Usually offered in deductible amounts of $250 - $1000, collision coverage will lower your premium the higher your deductible amount is. Other types of coverage, like comprehensive coverage, uninsured motorist coverage, and underinsured driver coverage are also affordable options . When going through your auto insurance comparison, be sure to request quotes in order to get the best rate. Start today by requesting a quote with us!