Before You Buy Auto Insurance
Learn More Before Buying Auto Collision and Auto Liability Insurance
Before you buy auto insurance coverage, learn more about collision and liability insurance coverages. Compare auto insurance and find the best auto accident insurance.
Collision insurance coverage pays for damage to your car if you are in an auto accident. Collision with another car, an object or a car rollover is covered by collision insurance.
Comprehensive auto insurance coverage pays for damages other than collision to your car, including natural disasters, theft, vandalism or fire (see your policy for details).
Auto liability insurance coverage pays out if you accidentally harm someone else or their auto or property as the result of an auto accident. You are required to carry at least the car insurance minimums in your state of residence. Auto liability insurance breaks down into two categories:
- Bodily injury liability provides auto liability insurance coverage if you or another covered policyholder injures someone else during a car accident. Bodily injury covers medical expenses, loss of wages and other expenses related to the accident.
- Property damage liability provides auto liability insurance coverage if you or another covered policyholder damage someone’s car or property as the result of a car accident.
Medical payments or Personal Injury Protection (PIP) insurance cover the driver and passengers in case of injuries related to a covered auto accident. PIP insurance, where available, may also pay for expenses resulting from a covered auto accident, including rehabilitation, loss of wages, replacement of services lost or funeral expenses.
Uninsured or Underinsured Motorist coverage affords you insurance protection if you are involved in an auto accident with an uninsured or underinsured party. First compare prices and service, then buy auto insurance coverage to safeguard against an accident with a hit and run driver too.
Deductibles vary but generally, the higher the deductible, the lower the auto insurance premium. Take into account your ability to pay out the deductible in case of a car accident. Then, weigh that against the likelihood of being in a car accident. Check out the insurance blog for the latest auto liability insurance headlines. Finally, talk to your insurance agent about the right auto insurance deductibles for your unique needs.
Every state has different car insurance minimums, which you'll find when compare and buy auto insurance coverage. Check with a licensed insurance agent in your area to compare prices before you buy auto insurance coverage. Discuss how much liability and collision insurance you should buy to meet your individual needs. The car insurance minimums by state are meant to be a guideline; you may need more auto liability insurance coverage to protect your assets.
Talk back with a writer: tell Lisa Nichols about your experiences with auto insurance coverage.
