Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 4, 2020

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

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Here's what you need to know...

  • Car insurance minimums vary state to state
  • Liability is the most basic form of car insurance
  • coverage
  • If you are in an accident, comprehensive and collision will cover most of the repairs and medical bills

People should have adequate car insurance coverage in case of an accident. Therefore, it is a person’s obligation to take his time when deciding so as to avoid unnecessary loses.

It is easy to get the best insurance coverage if you understand your need and aware of your financial status. One should consider the following so as to get the best car insurance policy.

Enter your zip code above in our car insurance comparison tool for cheap car insurance quotes for FREE!

Table of Contents

Weigh the Options

You could save hundreds of dollars in a year if you do a bit of comparison on insurance quotes. Make a call or visit the local insurance firms to find out the available offers on car insurance policies.

It’s always a good idea ask questions regarding the price and the available discounts that you may be entitled to with a given policy.

The other thing one should do is an online search on different insurance comparison web pages.

Comparing multiple car insurance quotes is the key to finding cheap car insurance rates.

Go through as many as you can, and take notes as well because the higher the number of insurance quotes you have, the greater your chances of settling for the best deal on insurance policies.

Compare online and the local insurance quotes before you make any decisions.

You should also ask a friend or a family member about their insurers. Ask for their opinions and weigh the pros and cons of each.

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Determine How Much Coverage is Needed

One should begin by thinking of how much coverage he needs so as to settle for the best auto insurance policy.

This is normally different in every state, so one should take his or her time to find out the amount of coverage that is required in his or her area of residence.

One will also need to be in touch with insurance laws and regulations in a given state.

Knowing what is required, helps you determine what you need. A number of people are extremely cautious, in the sense that they picture themselves in the worst case scenarios and insurance firms enjoy that.

Since you are not in possession of these tools, at times, it is better to provide room for a certain level of risk.

Insurance professionals recommend that when you have a number of assets, you should get adequate liability coverage to be able to protect them.

For example, if you have $50,000 of bodily injury liability coverage but with $100,000 in personal assets.

In the event, that you are at fault in an accident, the attorney for the other party can go after you for the $50,000 in medical bills that were not included in the policy.

Most often suggestions for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 that is for any person injured in an accident and $25,000 property damage which is normally written as 50/100/25.

In this case, use your financial position as your guide.

Your driving behavior may also be a factor in establishing the coverage you need.

If you have a poor driving history or if you commute on wayward winding roads on a daily basis, then it might be a good idea to get complete coverage.

Collision coverage only pays for damages that your car experiences in the event of an accident, damage or from bumping into an inanimate object such as light post, tree or even a fence.

Comprehensive coverage deals with damages that do not result from a collision that is theft, flood or fire. However, you do not have to buy comprehensive and collision coverage.

For instance, if you have an older vehicle, with a clean driving history and there is an exceptionally slim chance that your car will be totaled in an accident, but with high chances of being stolen.

Look for Discounts

Finally, when you are making a call to local insurance firms and shopping online, ensure that you exhaust all the options with regard to discounts.

Insurance firms offer discounts for things like clean driving record, your car safety of security equipment and other professional affiliations.

There are firms that also give discounts in the event that you enroll in pay as you drive plans, with significant discounts for young drivers in a family who have a grade point averages.

You should also think of using the same insurance firm for home policies, that will is also another way of getting better prices.

The best and fastest way to find cheap car insurance for travelers is to compare online. Enter your zip code below to get started for FREE!

References:

  1. https://www.progressive.com/auto/discounts/compare-car-insurance-rates/
  2. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  3. https://one.nhtsa.gov/Data/National-Driver-Register-(NDR)
  4. https://www.thebalance.com/how-to-get-your-driving-record-527249
  5. https://www.statefarm.com/insurance/auto/small-business-auto