Auto Insurance

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Auto insurance protects you against any damages that your auto causes or suffers. There are many types of car insurance coverage that you can buy. Bodily injury, collision, property damage – how will you know what kinds of insurance to get for your auto? We’ll break down the main auto coverage options in this brief guide and offer a few good tips to help you get the best automobile insurance possible.

Here are the six major types of car insurance coverage:

• Bodily injury liability – Covers injuries that your car causes to another person.
• Personal injury protection - Covers the medical treatment of anyone in your auto.
• Property damage liability - Covers damage to the property of another person.
• Collision – Covers damage to your car resulting from a collision with another vehicle.
• Comprehensive – Covers damage to your car that does not involve collision with another automobile. This includes theft, fire, natural disasters and other causes.
• Uninsured motorist – Covers damages from accidents involving a hit-and-run driver or an uninsured driver.

In exchange for insurance coverage, you pay a premium that will be or low or high depending on your deductibles. In the event of a loss to your car or damages caused by your vehicle, you agree to pay for the damages yourself up to the deductible amount. In return, the insurance provider agrees to pay for any costs beyond the deductible. You should set your deductibles as high as you can so that the insurance premium will be lower.

Your auto premium will fluctuate over time, but is usually fixed for a six-month period. If your car is new or expensive, you will generally need to pay more for insurance. As you age and establish a safe driving record, your premiums will go down. The more your drive your car, the higher your insurance premiums will be.

As you look for insurance, you should compare quotes from at least three to five different companies. You can do this easily over the Web by visiting insurance provider websites and submitting an online quote request. If you don’t trust the Web enough, get the company’s phone number and call directly for a quote.

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Compare instant quotes from top companies at Insurance.com. You could save up to $600 or more* today! Get Quotes.