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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 28, 2019

Advertiser Disclosure

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.

Trying to determine what constitutes quality auto insurance is sort of like determining what constitutes a quality bottle of wine. So much of it depends on personal preferences that it’s really difficult to draw any concrete conclusions.

That being said, a quality auto insurance policy for each individual driver is one that meets the driver’s needs at a price with which they are comfortable.

The time to search for quality auto insurance is right now! Get started by entering your ZIP code into our FREE search tool below!

To determine whether or not you’re getting quality auto insurance you first need to determine what it is you really want in a policy. Think of it in terms of selecting a high quality vehicle.

For one driver a quality vehicle is one that’s reliable and needs few repairs, while to another it is a vehicle that gets great gas mileage and looks good doing it. Auto insurance works the same way.

The Basic Car Insurance Policy

While it’s true there are lots of different types of coverages that can be added to a car insurance policy, there are some basic things common to all of them. To begin with, we’ll discuss the liability portion of a standard policy.

Liability coverage is required in all but a handful of U.S. states, so it’s something with which we should all be familiar.

According to the Insurance Information Institute, liability insurance covers bodily injury and property damage incurred by those involved in an accident for which you are responsible.

If your car were to slip on a patch of black ice, for example, and sideswipe another vehicle, your liability coverage would pay a portion of the medical bills and car repair costs of the person you hit.

Quality in terms of liability insurance may include higher limits than what is required by your state’s regulations. Most insurance experts agree that state minimums are seldom enough to protect drivers if they are ever sued in civil court.

That makes complete sense when you consider the cost of today’s medical care and the propensity for juries to award multi-million dollar judgments.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Personal Injury Protection and Uninsured/Underinsured Motorist Coverage

In most states, personal injury protection (PIP) and uninsured/underinsured motorist insurance is optional. If your state is one of them, and you choose to carry this insurance, you’ll want to look at it just like your liability insurance in terms of judging its quality.

You are looking for enough coverage to take care of your medical costs in case you’re ever in a serious accident where your injuries exceed the limits allowed by your standard healthcare plan.

If one or both of these coverage types is mandatory in your state, you’ll have no choice but to include them on your liability policy. But still pay attention to the annual limits in case they are too low.

You may find that you have to raise them somewhat in order to provide quality coverage.

Premium-to-Coverage Ratio

Once you’ve established how much coverage you need to protect yourself and your vehicle (including comprehensive and collision coverage where applicable), consider how much you’re paying in premiums as compared to the monetary value of your policy.

One company might be giving you a better rate, but at the same time offering you lower limits and higher deductibles.

As a consumer, you’re trying to find the balance between how much you’re paying and what you’re getting in return.

The Michigan Department of Licensing and Regulatory Affairs explains how insurance companies use a number of rating factors combined together to determine the price of a given driver’s premium.

Just like the insurance company is trying to mitigate its risk as much as possible, there are factors that drivers should take into consideration to accomplish the same thing.

For example, if you own a car that’s more than six or seven years old, it is unlikely that you would get enough money from the insurance company to replace it if you totaled it in an accident.

So continuing to pay for collision and comprehensive insurance over the course of several years increases the risk that you’ll pay more into your policy than you’ll get out of it. It’s not a wise expenditure in such a case.

Remember that quality auto insurance is determined by each individual driver and his or her needs. When you’re searching for policies, do your best to compare multiple quotes line by line before making a decision. It’s the only real shot you have at getting a policy that’s right for you.

Enter your ZIP code into our FREE tool on this page and you’ll quickly have access to auto insurance quotes from multiple companies!