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 21, 2020

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Key takeaways...

  • If you get into an accident that is your fault and you have liability car insurance, your insurance company will not pay for any repairs that your car needs
  • You can now get a price estimate for liability insurance from the comfort your own home or office, or even if you’re out and about on your laptop, tablet or smartphone
  • Explore any discounts that you may be eligible for to save the most you can on your policy
  • If you have an excellent credit rating, you will want to take advantage of this and look for a company that will offer you a better rate

It is important for every driver to have liability car insurance in case of an accident. In fact, all 50 states require some level of liability insurance, although the laws are different in each state.

If you get into an accident that is your fault and you have liability car insurance, your insurance company will not pay for any repairs that your car needs. If you get in a serious accident and your car is totaled, your liability insurance will not pay for you to replace it.

However, liability car insurance will cover the damage that is done to the other driver’s car, keeping you from getting in big legal trouble and offering you some peace of mind when you are on the road.

Liability insurance rates are usually much more affordable than full coverage rates. If you have an older vehicle or a vehicle that isn’t worth much, you may want to consider liability car insurance instead of full coverage.

Even if you are only looking for liability car insurance, it is still important to search for the cheapest rate. Use our FREE quote tool to find rates today!

An Internet comparison is a great way to get multiple liability car insurance price estimates at once so you will always find the most affordable car insurance to suit your needs.

Table of Contents

How do I get a liability car insurance price estimate?

In the days of old, it was necessary to physically call each insurance company to get an individual rate quote or to stop by the company’s local office.

This made getting a liability car insurance price estimate a major hassle and caused many drivers to settle for an overpriced liability car insurance company simply because they were tired of price shopping.

Now, thanks to the technology that the Internet offers, it is possible to get a price estimate for liability car insurance from several companies at once, with your computer and a reliable price quote website doing all of the work for you!

You can now get a price estimate for liability insurance from the comfort your own home or office, or even if you’re out and about on your laptop, tablet or smartphone!

With liability car insurance price shopping made so easy, there is no excuse to settle for overpriced car insurance.

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Why should I shop for quotes before choosing a liability car insurance company?

When you are searching for liability car insurance, it is important to do your research. Every insurance company is different, and the company that is best for you may be different from your neighbor’s best choice.

Liability insurance rates are based on several factors.

Since every driver has a different situation and a different set of needs, it is important for everyone who is shopping for liability car insurance to compare the quotes of several companies before making a final decision.

Different companies offer different discounts and base their rates on different factors.

It is important to comparison shop so you can find the company with the most discounts that you and the other drivers on your policy are eligible for.

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What kinds of discounts are offered by liability car insurance companies?

Many insurance companies offer safe driver discounts or other related discounts. Safe driver discounts are designed for drivers who have a good driving record and who have not had any tickets or been in any recent accidents.

The time span that must pass after tickets and accidents before a driver becomes eligible for a safe driver discount varies from company to company, so if you have a good driving record, it is important to comparison shop.

A safe driver discount can save you a bundle of money.

Student driver discounts are offered by many insurance companies for drivers who are full-time college students, or for families with a full-time college student listed as a driver on their policy.

If you think you might qualify for a student driver discount, be sure to look for a company that offers such a discount when you are shopping for liability insurance.

What other factors are liability insurance rates based on?

Even if you do not qualify for any discounts, it is still important to comparison shop when looking for liability car insurance. Many factors are taken into consideration when insurance companies calculate your individual rates.

If you have a poor driving record or have gotten a DWI, your liability car insurance is going to be higher than a driver with a good driving record, regardless of the liability insurance company that you choose.

However, some companies take DWIs and poor driving records more seriously than others, and some companies offer a certain level of forgiveness for first offenses.

If you are concerned about paying a high rate because of a DWI, speeding ticket or an accident, it is important for you to compare the prices of several companies before choosing a company for your liability car insurance.

You may find that some companies offer much more affordable rates than others, even if you have a poor driving record.

Some companies take your credit score into consideration when calculating your individual rate quote for liability car insurance.

If you have an excellent credit rating, you will want to take advantage of this and look for a company that will offer you a better rate. If you have a poor credit score or no credit at all, you will want to find a company that does not take credit rating into consideration when determining your rate.

Don’t miss out on a free quote with our comparison tool below! Just enter your zip code and start comparing rates now!