Choice Auto Insurance
Today's auto insurance market offers consumers so many choices; in fact, there are nearly 2,000 insurance carriers in the U.S. (as of 2002). Choice is actually a good thing if you're trying to save money on auto insurance, but it can also be difficult for a customer to wade through all of the information and arrive at the perfect plan. We're here to help you in the process of choosing an auto insurance plan. To get started, simply request a free auto insurance quote here!
Auto insurance plan choices
It is best to first understand what level of insurance is required by law. Auto insurance is regulated by state governments. Forty-eight of the fifty states in the U.S. (as well as the District of Columbia) require auto insurance for drivers (as of 2009). However, levels of required coverage vary from state to state. Check with your state's motor vehicle office to understand what laws apply in your state.
Once you are aware of the minimum requirements, you'll need to consider what you require above and beyond required coverage. In order to do that, you'll want to know the various types of insurance coverage:
- Bodily Injury Liability – Covers medical costs for people that are injured in an accident.
- Property Damage Liability – Covers damage to property.
- Medical Payment Coverage – For medical expenses for yourself and the passengers in your vehicle.
- Collision Coverage – Pays for damage to your car.
- Comprehensive Coverage – Pays for repairs to your car, if there is damage to your car that is not caused by an accident.
- Underinsured/Uninsured Motorist Coverage – Pays for damaged caused by a driver that does not have the correct level of insurance.
Help to choose your auto insurance
Auto insurance plans can be confusing, but we can help. If you submit a free request for a quote through us, then a representative will be able to walk you through the options and policies that are available to you. You can even look at plans that cover you beyond your state's minimum insurance requirements. Our connection to leading insurance companies could help you save money on your monthly premium!