Auto insurance protects you from liability and safeguards your vehicle from damage, theft, and other perils.
Auto Insurance Coverage
Below is a summary of the coverage provided by a typical auto insurance policy:
Liability coverage pays for costs related to bodily injury and property damage arising from an accident for which you are at fault. Bodily injury coverage pays for medical and legal expenses related to the bodily injury or death of another person. Property damage coverage pays for the repair or replacement of damaged property belonging to another person, as well as associated legal expenses.
Medical Payments/ Personal Injury Coverage
Medical payments or personal injury coverage pays for any reasonable and necessary medical expenses of the vehicle driver and passengers arising from a covered accident, regardless of who is at fault.
Comprehensive coverage is for damage caused by an event other than a collision (although collisions with animals and passive objects, such as a wall or tree are normally included in this coverage). Comprehensive coverage pays for the repair or replacement of your car due to events such as theft, fire, vandalism, weather damage (hail, flood, etc.), and other insured perils.
Collision coverage pays for the repair or replacement of your car when it hits, or is hit by, another vehicle or object. Comprehensive and collision coverage is also known collectively as “physical damage coverage”.
Many insurers offer other coverage and benefits in addition to the standard coverage described above. Some of this additional coverage includes emergency road service coverage in case you need roadside assistance or your car needs to be towed, and coverage for rental car costs incurred while your car is being repaired following a covered accident.
Please note that the actual coverage provided by your auto insurance policy may differ from the coverage described above. You should read your policy and talk with your insurance agent to determine your actual coverage.
Auto Insurance Quotes
Auto insurance quotes can vary widely between insurance companies, so the best way to find the most affordable auto insurance is to shop around for the best rate. We can help you compare quotes by providing you with auto insurance quotes from insurers in your state. Just complete our simple request form, starting with your zip code above, and we will arrange quotes for you to compare.
This is a free service, and you are under no obligation to purchase any of the quoted policies, leaving you free to shop for the best rate!
Comparing quotes is also a great way to see if your current rate is still competitive or if you could be saving money.