Compare Auto
Insurance Rates
Find the Lowest Car Insurance Rates!
Enter Your Zip Code


Are you insured? Yes No

Get up to 4 Quotes in under 30 seconds!
Compare insurance rates from these companies and up to 30 others!

Auto Insurance Information You Need To Know

Auto insurance is not a monolithic thing, meaning it isn't just one big block of insurance where one size fits all. It is a combination of many different types of coverage, the details of which depend upon the policy holder. Some elements of an insurance policy are dictated by the particular state in which the policy holder happens to reside, liability auto insurance being the most common of these. There are other types of coverage that are important for their own reasons, however. Such insurance options like comprehensive coverage, collision coverage, or uninsured motorist coverage could be extremely helpful in the event of an accident.

Liability Coverage

Liability insurance covers property damage and bodily injury, required by law in almost every state. In the law, it is often stated in the following format: 25/50/15. Each number is the amount (in thousands of dollars) that a policy holder is required to maintain. In this example, $25,000 is set aside to cover a single person involved in the accident, while the $50,000 amount is the total amount of coverage for injuries incurred, completely independent of the number of persons involved.

The final number, representing $15,000 is the amount of coverage that pertains to property damage. It includes someone else's car, but it can also include static objects like road signs. A driver who causes an accident without sufficient insurance will have to pay any of those costs out of their personal funds. Considering today's medical and automobile costs, these minimum levels are usually far too low to cover any significant accident, and it is recommended that most policy holders take a higher level of coverage.

Uninsured or Underinsured Motorist Coverage

There are drivers out there who have no or very little insurance. This type of coverage will protect a driver from that sort of person. It will pay for whatever amount the underinsured driver leaves uncovered. If the underinsured driver causes $10,000 worth of damage and is only insured for $5,000, the policy will pay the remaining $5,000.

Collision and Comprehensive Insurance

These types of insurance are actually optional and do not have to be a part of any policy. However, if the driver still has payments on a financed car, the finance company may require the driver to get at least some minimum level of both these types of coverage. Collision insurance covers just that - collisions, but comprehensive coverage covers everything else - weather, fire, vandalism, and so forth, and will pay any costs involved in repairing the damage such events cause.

Auto Insurance Articles
Ten Tips for Auto Insurance Buyers
Auto Insurance Glossary
Car Insurance: Everything You Need To Know
A Few Important Things to Know About Auto Insurance
Do I need auto insurance?
Is it mandatory to have vehicle insurance
Understanding liability insurance
Auto Insurance Information You Need To Know
The Facts Behind Auto Liability Insurance
Auto Insurance Coverage Is Something You Must Have
Understanding Auto Insurance Claims
Car Accidents Will Happen
No-Fault Insurance (It Does Not Cover Earthquakes!)
DUI's and YOU'
Auto Insurance (Abridged) Glossary of Terms

How to Find Affordable Auto Insurance on the Internet
The Best Auto Insurance Quotes
Looking for Cheap Auto Insurance Quotes?
Comparing Auto Insurance: The Best Way to the Best Policy
A Few Things to Remember When Looking for Auto Insurance
Auto Insurance Online - The New Way to Get Your Vehicle Covered
How to find the best auto insurance
Tips on finding low cost auto insurance
Making Auto Insurance Comparisons Is Important
What You Need To Remember About Auto Insurance Quotes Online
Finding Affordable Auto Insurance
The Search (for Auto Insurance Discounts) Is Over

Just How Much Car Insurance is Required
Five Important Factors That Influence Auto Insurance Premiums
Expensive Cars to Insure
Does Driving a SUV Mean Higher Car Insurance Rates?
Questions About Auto Insurance - You Must Know The Answers To!
Understanding Car Insurance Quotes
Auto Insurance Ratings
Have you read the fine print on your auto insurance terms?
Is it possible to buy good cheap auto insurance and what does that mean exactly?
Don't Be a Claim Duck!
What to Consider When Buying Auto Insurance
Insurance Rate Traits

Some Money-Saving Tips for Auto Insurance
Save Money with Auto Insurance Tips
The Importance of Saving Money on Auto Insurance
Affordable auto insurance - is that possible?
How To Save Money With Auto Insurance
Avoid Paying Too Much for Car Insurance
Is there really a thing such as discount auto insurance?
Saving Money is the Best Insurance Policy
Lower Rates for Your Midlife Crisis Car