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Did You Know? Most drivers overpay more than $500 a year on car insurance!
- Premiums keep going up every year
- Prices can vary by hundreds between companies
- Without comparing, you might be throwing money away
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Finding the Best Car Insurance for You
Finding the best car insurance today doesn’t have to be stressful; you can easily get affordable car insurance online, and that’s just right for you. Before you switch your car insurance, it’s good to understand the basics. Keep reading to learn more and feel confident on the road, knowing you’re covered.
Understanding Car Insurance Basics
Car insurance is a legal requirement in every state except New Hampshire and Virginia. If you live in a state where it's mandatory, you'll need at least the minimum coverage to register your car and drive legally. Usually, this basic coverage includes personal liability insurance. But if you're looking for more peace of mind, you can add extra types of coverage, often referred to as endorsements. Here are the most common types of car insurance and what they cover:
– Personal liability insurance: This type of insurance covers your financial responsibilities if you cause an accident that injures someone or damages their property. Remember, though, it won’t cover your medical bills or vehicle repairs.
– Collision insurance: This optional add-on helps pay for your vehicle’s repairs after a crash with another car or a single-car accident.
– Comprehensive insurance: Another optional policy, comprehensive insurance covers non-collision damage to your car, including hail storms, theft, vandalism, falling objects, fires, and even run-ins with animals.
– Uninsured/underinsured motorist insurance: This coverage kicks in if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough to cover your losses. It covers both your injuries and property damage.
– Medical payments insurance: Also known as “MedPay,” this optional coverage pays for medical bills if you or your passengers are injured in an accident.
– Personal injury protection (PIP): PIP covers medical expenses for you and your passengers after an accident, regardless of who was at fault. Some states require it, while in others, it’s available as an optional add-on.
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