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: Sep 9, 2020

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Key takeaways...

  • Collision coverage provides protection from damage occurring when you are driving the vehicle
  • Some states have no-fault car insurance laws, however, you can still be sued should an accident result from extreme negligence
  • Most state minimum requirements are simply set up to provide basic coverage in the event of a minor accident

Automobile insurance is deemed by many as “one of the necessary evils” in life however when it comes to submitting an insurance claim all the premiums will be well worth it – especially in the event of a serious accident.

Comprehensive car insurance provides reimbursement for damage to your vehicle from vandals who decide to key your car or a tree simply falling over and busting out your windshield.

Collision coverage provides protection from damage occurring when you are driving the vehicle.

There are also many other elements of auto car insurance such personal injury protection, GAP car insurance – all with the sole purpose to provide you with coverage.

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How much auto car insurance do I need?

If you just want to go with the bare minimum then almost every state has minimum auto car insurance requirements, however, these limits barely ever provide enough financial protection for you and your family.

Most financial experts agree the typical car insurance coverage should be around $100,000 on the main core elements such as comprehensive car insurance and collision car insurance while limits for optional riders such as rental coverage and GAP car insurance depend on your unique needs.

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Table of Contents

What if I get sued?

Some states have no-fault car insurance laws, however, you can still be sued should an accident result from extreme negligence.

Let’s say you live in California and only acquire the state minimum auto car insurance requirements:

According to California law, each driver must possess at least $15,000 liability coverage per person for injury (full CA requirements here) however how much really is $15,000?  – probably a night or two in the hospital at most?

Most state minimum requirements are simply set up to provide basic coverage in the event of a minor accident. Anything more than a small parking lot accident and you really have no coverage unless you have acquired greater limits.

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Which auto car insurance discounts are available?

Many. In fact, there are so many car insurance discounts available most consumers are usually carrying a policy with premiums that could be quickly lowered with a simple phone call to their insurance agency except they just don’t know what questions to ask.

Some of the most common auto car insurance discounts include:

  • Good Driver Discounts
  • Safety Feature Discounts
  • Low Mileage Discounts
  • Young Drivers Discounts
  • Good Grades Discount (for young drivers)
  • Senior’s Discounts
  • Multi-Policy Discounts
  • Multi-Vehicle Discounts

Learn how to reduce your car insurance rates by understanding some of the most common auto car insurance discounts here.

Every car insurance company is different so you need to shop around for the best auto car insurance rates but only after you learn more about coverage.

Think about the car insurance comparison process the same as you would compare holiday vacation choices. You need to learn more about the product you are buying to get the best deal – auto car insurance is no different.

The internet is a wonderful thing. Once you have knowledge in hand and ready to find a new auto car insurance company then start locating providers using the power of the internet.

In fact, we can help – simply enter your zip code below to find auto car insurance companies near you.

References:

  1. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance
  2. https://www.esurance.com/insurance/car/coverage
  3. https://www.nationwide.com/gap-insurance.jsp
  4. https://www.libertymutual.com/auto/car-insurance-for-teens/teen-insurance-discounts
  5. https://www.allstate.com/auto-insurance/auto-life-discounts.aspx
  6. https://www.geico.com/auto-insurance/comparison/