Auto Insurance 101
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UPDATED: Apr 25, 2022
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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:
- Who is better – Allstate or State Farm?
- What is Personal Injury Protection?
- What is no-fault car insurance?
- How much is car insurance per month?
- What car insurance discounts are available?
- Who are the top 10 car insurance companies?
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.
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