Our vision is to help you to make smarter decision about your auto insurance policy.
Our vision is to help you make smarter decisions about your auto insurance policy.
If you own an car, you need insurance. Most states require some degree of coverage on specific driver’s and or the car (meaning anyone who drives the car.) However, the legal requirement from your state regarding financial responsibility and what you actually need may vary. The law is meant to provide a minimum level of protection for people injured or property damaged by another driver and vehicle. Unfortunately, the minimum generally does not suffice. Minimum coverage rarely protects most people and you should consider real world needs.
Why do you need car insurance?
Auto insurance can help protect you from costly, occasionally devastating surprises. Iff you are in an accident, consider how you different the experience will be with or without insurance. As an insured driver, you may receive help paying for medical bills, repairs, some legal defense costs and more.
Each state has different law to determine the minimum coverage, type and limits you must purchase. Texas, for example, requires a minimum of at least $30,000 per person in bodily injury liability coverage.
How to compare car insurance quotes?
To accurately compare car insurance quotes across insurers, you must select the same set of deductibles, limits and coverages for each quote.
Choose your coverage: Be sure of your state’s requirements and any specific types you might want like collision or comprehensive coverage.
Consider your limit: When choosing the maximum amount your insurer will pay for a covered claim, double check state law in addition to personal decisions.
Understanding Your Car Insurance Deductibles. If you have ever had full coverage on your car then you may be familiar with the term ‘deductible.’ In short your deductible is the amount of money that you will have to cover in the event you are in an auto accident.
Remember to select the same information on each and every auto insurance quote.
Car Insurance Premium: Top 6 Factors That Impact Price When comparing quotes for car insurance, it’s important