Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Written by Laura Walker
Licensed Agent for 10 Years Laura Walker

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 29, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

Auto insurance is mandatory by most state laws and having the right coverage can provide substantial financial protection in the event of an accident however what type of car insurance do you need and how much is car insurance per month?

There are hundreds of car insurance companies and policy options such as choosing which deductible, what discounts to expect, how much coverage to buy and not to mention which company to use. The best place to start is to learn about the details of auto insurance as most of the coverage available is formed around a base of knowledge any driver should know. Think about buying a new car – you surely want to know the fuel mileage and warranty details – Buying auto insurance should be no different so spend time educating yourself well ahead of having to file a claim. Many drivers only find there are underinsured or even uninsured after an accident so don’t let this happen to you!

Our auto insurance guide provides a wealth of content around commonly asked questions to help you understand coverage and ultimately save money or at least acquire the appropriate policy for your unique profile.

Types of Auto Insurance

Car insurance is heavily regulated which provides certain consumer protections (like not having coverage dropped mid-term) and some sense of security as all car insurance companies are rated based on their financial strength (however remember AIG was rated also) but at the end of the day the most important thing you can do is understand the types of car insurance available and choose an appropriate policy for your needs. Auto insurance revolves around 8 major types of insurance including:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Property Damage Insurance
  • Personal Injury Protection
  • Underinsured and Uninsured Motorist Coverage
  • Medial Payments Coverage

Simply click on a link above to learn more about these types of insurance. The most common is liability insurance as states have a responsibility to protect drivers so most minimum car insurance requirements only require liability insurance as its the form of car insurance that provides protection for damages to other people and their property. Its important to note that the minimum levels of liability insurance required are often much less than you really need and state laws do not require you to purchase any type of auto insurance to cover damages to you or your vehicle.

A lot of consumers opt for the cheapest car insurance rates only to find out later they have no coverage for any damage to their vehicle. Its extremely important to know the difference between liability, collision and comprehensive coverage as these 3 types of insurance involve the most claims for damages in common car accidents.

You can also view our commonly asked questions or search using our search box for any term related to auto insurance. Some of the most popular questions this month include:

Buying auto insurance is certainly a big decision and while its mandatory to have coverage there are no laws which state who you must buy coverage from. Take your time, learn about coverage and compare at least a handful of car insurance companies before choosing a provider.

Compare Auto Insurance Quotes Today!