Get Car Insurance Quotes Online For Your Auto (12th November 2023)!
How Does Car Insurance Work?
The way car insurance works is that once the policy is in force, it will cover damage to your vehicle and provide liability protection for someone else’s injuries. Your auto insurance can also cover medical bills if you or your passengers are hurt in an accident or an uninsured or underinsured motorist hits someone.
Who’s Covered By My Auto Insurance?
Auto Insurance policies will cover you, your spouse, and any other family members you name on the policy. Your policy would also cover you if you are driving someone else’s car as long as you have their permission. Finally, if you let someone drive your car, even if they aren’t on your insurance policy they are still covered.
How To Compare Car Insurance Quotes Online?
The best way to compare auto insurance quotes is to make sure you choose the exact coverages, limits, deductibles, and premium payment options (monthly or annually) for each quote. You will want to:
Remember, you must do apples to apples and choose the same amount on each coverage for each auto insurance quote you get online.
Agents not required.
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What Does Car Insurance Cover?
Your car insurance policy is going to be made up of different types of coverage and each type of coverage will protect you in different situations. Below is a layout of what these policies usually cover:
Liability Insurance: In a majority of states, this is the only required coverage which means that if you’re in an accident and are responsible (also called at-fault), liability will pay for:
Comprehensive coverage: Covers random events that you have no control over:
Collision: This part of the policy will cover accidents with other cars and objects no matter who’s at fault. Collision will also cover you if you overturn your car accidentally.
Uninsured/Underinsured Motorist Property Damage: This might shock you, but around 13% of drivers are uninsured around the nation, according to the National Association of Insurance Commissioners. If a driver without insurance (or one without enough insurance) hits your vehicle this coverage would kick in.
Personal injury protection (PIP): PIP also goes by Medical Payments coverage and is offered in most states. However, PIP is available only in the states that require it to be offered. Basically any time a car causes someone injury, these coverages will both pay for:
PIP varies by state, is a bit broader and may cover other losses such as funeral expenses, lost wages, and rehab costs.
Uninsured/underinsured motorist bodily injury: Pays for injuries and lost wages if an accident is caused by an uninsured motorist.
What Your Car Insurance Won’t Cover?
It’s essential to know exactly what car insurance is and what it isn’t; below we go over a few things that car insurance won’t cover.
Is Car Insurance Mandatory?
Yes, car insurance is required by law in every state except for New Hampshire; this means that 49 out of 50 states in the U.S. will require you to have an active auto insurance policy.
The actual minimum requirements you need for car insurance will vary by state; however, usually, the below coverage types are required:
And here’s the thing:
If you drive without insurance, you could get a fine, have your license revoked, or even go to jail so it’s essential that you have this coverage.
INSURANCE WHERE YOU LIVE
Car insurance by state.
Keep your car, yourself, and those you love safe on the road with an auto policy.
By protecting your car, you’ll get more than coverage, you’ll get priceless peace of mind. Click on your state to request a free quote.
How Much Is Car Insurance?
The average cost of auto insurance in America is about $1,134.00 per year (or around $94.50 per month), according to a report from the NAIC (National Association Of Insurance Commissioners. Keep in mind that your specific costs will be different from any other driver, and your final rates will be determined after you apply for a policy.
What Determines Car Insurance Premiums?
Car insurance premiums are determined by several things like your car’s value, how long you have been driving, if you have a history of speeding tickets, and even the deductible and coverage amount you choose for your policy.
In general, each insurance company will have their own underwriting guidelines that they follow so that’s why it’s always best to shop around for quotes.
Car Insurance Comparison Chart By State
Main, North Carolina, Ohio, Indiana and Wisconsin break out as the top 5 most affordable states when it comes to average annual car insurance premiums. The top 5 most expensive states are Louisiana, Rhode Island, Florida, Nevada, and Colorado.
Rates are based on a 30 year old male with a good driving history, rates were pulled from the top leading car insurance sites in the nation.
How Much Car Insurance Do I Need?
You need at least $500,000 in car insurance coverage for both property damage and bodily injury liability, even if you live in the two states that don’t require you to have car insurance. Regardless of the type of car you drive, having the minimum amount of coverage is essential.
However, do keep in mind that the minimum amount of insurance required by your state will not be enough to protect you 100%.
For Example:
Let’s say you are only required to have $15,000 of liability coverage in your state, but you cause $65,00 worth of damages. Are you going to be able to pay out the additional $50,000 when you go over your insurance limit?
It’s also possible that your state will only require you to obtain liability coverage, which would leave your own car completely unprotected.
Now, if your car is super old and you don’t really care much about it to get full coverage, it’s still essential to have some form of comp & collision coverage on your policy.
Your comp & collision will cover the cost of damage to your car but not before you pay your deductible. You will have to pay a deductible when you add comprehensive and collision to your policy.
It’s usually between $500 to $1,000 and is required to be paid before the insurance company will start covering costs. Always consider how much you can afford to pay out of pocket when choosing a deductible.
Best Car Insurance Companies
According to Nerdwallet, the best car insurance company is Amica, followed by Erie Insurance. However, the best car insurance company isn’t always the company that has the cheapest rates.
It would be best to look at things like their A.M. Best rating for financial strength or their J.D. Power ratings that give feedback from actual customers.
When trying to find the best auto insurance companies, you should check their compliance data with the National Association Of Insurance Commissioners.
How To Get Cheap Car Insurance?
Finding affordable car insurance doesn’t have to be complicated. In fact, there are a few steps you can take to make sure you get the best price on your policy.
How To Save On Auto Insurance?
You can save several ways on auto insurance; however, your total savings will be determined by the insurance company you purchase coverage through. Although each insurance company is different, most of them offer several discounts, including:
Drive Safe – Some car insurance companies will give you a discount on your premiums for showing a history of safe driving (such as no accidents) or for taking a driver’s education course.
How To Buy Car Insurance Online?
Buying car insurance online has never been easier; regardless of whether you are getting insurance on your first car or looking for better rates, you can get quotes and coverage in minutes.
Believe it or not, it’s only five steps to go from quotes to being covered:
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get auto insurance coverage within minutes of getting your quotes and applying.
Why Trust Simply Insurance?
We make things simple. At Simply Insurance, you get to compare only the top online home insurance companies. We’ve done all the hard work and picked out the top companies so that you don’t have to go through all of the top insurance companies in the nation… I mean, no one really has time for that.
Years of licensed experience. As licensed agents, we help our customers navigate the entire insurance buying process. We don’t work on commission and can answer any questions you may have in regards to your insurance policy.
Keeping it in “Plain English.” We pride ourselves on creating content that is easy to understand and that doesn’t have a ton of “insurance-ese”. Insurance education is essential to us and we put our customers needs first.
Frequently Asked Questions
Who has the cheapest car insurance?
According to Valuepenguin, the three cheapest car insurance companies (based on a 6-month rate) are USAA at $215, Farm Bureau Mutual at $218, and Erie Insurance at $226.
What is the best car insurance quote site?
Simply Insurance is one of the best car insurance quote sites. Their entire process is simple and easy, and we do the hard work for you by writing in plain English and finding the best offers.
Which car insurance company is best at paying claims?
J.D. Power and Consumer reports have ranked Amica and USAA highly for their claims process with scores of 94 for Amica and 92 for USAA.
Can someone drive my car if they are not on my insurance?
Yes, someone can drive your car if they are not on your insurance. However, if they don’t have their own insurance, you will have to use yours.
LEARN MORE ABOUT CAR INSURANCE TODAY!
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