Comparing Car Insurance Quotes

You can literally save hundreds of dollars a year when you take the time to compare car insurance quotes. It’s important to note that there are multiple types of coverage. Take your time and find the policy that best fits your needs – it will save you money in the long run.

In case you're involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.

State Requirements
In most states, you are required to carry auto liability insurance (or post a bond) and provide proof of insurance before you can register your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.

Most states require drivers to carry minimum liability coverage. In many cases, the required minimum coverage may not be enough to pay for all the damages that result from an accident and the driver will have to pay the additional expenses out of pocket.

Types of Auto Insurance Coverages

Fault or No-Fault - Depends on state law
Collision - Pays damages to your own vehicle
Comprehensive - Pays for losses from fire, theft, storm, etc.
Deductible - The amount of a covered loss you agree to pay
Bodily Injury - Pays for injury to others when you are at fault
Property Damage - Pays for property damage when you are at fault
Medical Payments - Pays for your own or your passenger's medical expenses
Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses
Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured

Liability Insurance

Insurance protecting the insured against financial loss arising out of legal liability imposed upon him/her in connection with bodily injuries (or death) suffered, or alleged to have suffered, by persons of the public, or damage caused to property other than property owned by or in the custody of the insured as a result of the maintenance of the premises, or the business operations of the insured.