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UPDATED: Jan 24, 2018
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Numerous factors go into determining the state with the cheapest liability auto insurance. Each state regulates how automobile insurance companies operate in their jurisdictions.
Nonetheless, individual states have mandatory liability insurance coverage laws.
Liability insurance covers damage or bodily injuries that you the driver are responsible for causing to others during an accident. Liability insurance does not cover damages or repairs to your automobile, nor does it pay for your medical costs.
Liability coverage provides financial protection for drivers who are responsible for an accident that injured another person. The insurance company will defend you against claims because of the accident, including lost wages, medical expenses, and other losses.
Liability car insurance covers two cases, the insured driver and any other driver driving your car who is named in the policy. If you or another person should damage public property such as a guardrail or light pole, you’re covered under the policy up to the amount of the liability car insurance you carry.
If you’d like to ensure you’re fully covered with the best and most affordable auto insurance, enter your ZIP code above and compare at least three to four policies today!
Maine Has The Cheapest Auto Insurance
The latest survey conducted by a major auto insurer shows that Maine has the cheapest overall cost of insurance and therefore the cheapest car liability insurance in the nation.
Some other states among the cheapest liability insurance include the following jurisdictions:
- North Carolina
The characteristics of a particular state help determine the cost of liability car insurance. The issuer also considers geographical and personal information.
Maine is the 39th most broad state for population size. Its populace resides in locations spread throughout the state, which reduces traffic throughout communities and lessens potential liabilities for car accidents.
Maine also has a competitive insurance market that spurs price competition between regional and national automobile insurance carriers.
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Obtaining Liability Insurance Coverage
The key to finding the cheapest car insurance is to have a good understanding of the type of coverage you need. Start by finding out the minimum liability insurance coverage in your state.
For example, Maine has a 50/100/25 requirement for liability car insurance a driver must carry, which means the coverage provides the following:
- Provides $50,000 in personal injury liability, which covers you in case of your responsibility for causing injury or death to a person in an automobile accident
- A minimum of $100,000 to cover injuries or death, to two or more individuals
- Driver $25,000 coverage for property damage
In many states, the regulation requires vehicle owners to demonstrate proof of coverage to register the vehicle. Remember, the minimum insurance requirement set by the state may not be enough to coverage for your individual situation.
Drivers often need to find a mix of the cheapest liability car insurance and the proper level of coverage.
If you are at fault in a car accident and your insurance coverage does not pay all of the bills, the party hurt in the accident or who suffered loss can sue you personally for the difference between their losses and what the insurance company pays on the claim.
Cheap Liability Car Insurance for Individuals
After considering the attributes of a state, finding the cheapest liability car insurance comes down to an assessment of individual drivers.
Factors that determine whether you can pay the cheapest liability car insurance includes the following items:
- Age and experience
- Use of automobile
- Driver’s marital status
- History of accidents and traffic violations
- Make and model of vehicle
- Credit rating
A variety of factors goes into obtaining the cheapest liability car insurance in any state. Some of the factors are out of the insured’s control. However, you can take some steps to help qualify for the cheapest liability car insurance where you live.
Assuring You Get the Cheapest Liability Insurance
It does not matter if you live in a state like Maine that has the cheap liability insurance or live in a state with the highest liability and overall insurance rate, which includes Louisiana and Oklahoma or Michigan.
Drivers seeking the cheapest liability car insurance available in their state can do a few things to get the lowest quotes.
Here are some things you can do to assure you get the cheapest liability car insurance:
- Compare quotes online for the same type of coverage from different automobile insurance companies. For example, $50,000 for personal injury or $300,000 for personal injury coverage on two or more people.
- Ask about any auto insurance discounts the company offers to insurers. Some common discounts include good driver, low amount of miles on the vehicle annually, multiple policy discounts, and good student driver. You may be surprised to find how many apply to you.
- Purchase a yearly liability car insurance policy, which can help you save money. In addition, the insurer cannot change your rate for one year.
- Know the number of miles you drive annually. Insurance companies have a “miles to work” break off. If your mileage does not exceed this amount, you can be in line for a nice low-mileage discount on your liability car insurance.
Ultimately, drivers save money and qualify for the cheapest liability car insurance by maintaining a safe driving record. Knowing the traffic laws and practicing good driving techniques can qualify you for a discount.
If you’re looking to save on auto insurance, enter your ZIP code below and start comparison shopping today!