When purchasing an auto insurance policy, you need to make sure that you are completely protected if you get into a crash. With so many different types of coverage available, it may be difficult to understand what types of coverage you need. Let’s take a look at what coverage is available to you and why you might want it in your next policy. To get started comparing car insurance quotes, enter your ZIP code on the top of the page.
General Liability Insurance
Liability insurance will cover the cost of damage to your car, the car of the other driver and any medical bills incurred due to an accident. Most states require you to have at least $10,000 of coverage per person and $25,000 of coverage per accident. However, you will be liable for any amount of damage that exceeds your policy limit.
Adding comprehensive car insurance to your policy will ensure that you don’t have to pay if an icicle crashes through your windshield or a tree branch damages the roof of your car. Although it may not be worth adding this coverage if you drive an older car, you can use a car insurance comparison site to find the best rates for a policy that includes comprehensive coverage.
If you have collision coverage added to your policy, your insurance company will pay for any damage to your car resulting from an accident. With most repair jobs costing several thousand dollars, it will be beneficial to have this extra layer of protection available to you if you were ever in an accident.
Underinsured/Uninsured Motorist Coverage
You may be hit by a driver who is carrying too little insurance or is not insured at all. When this happens, your insurance company will help pay for the damage done to your car as well as for any medical bills that you might have to pay. This will help tide you over until you win a financial award in court from the driver who hit you.
Miscellaneous Insurance Products
For those who want peace of mind, you can customize your policy to get rental car coverage, extra medical coverage and even coverage that will reimburse you if items are stolen from your car. If your car was broken into in the parking lot, you won’t have to worry about paying to replace your things or paying for a rental car while your car is being fixed.
If you are looking for cheap car insurance, you should opt for a policy that gives you liability coverage only. Most states will not require you to carry anything other than that. To compare auto insurance rates, you can go online to get multiple quotes in minutes. You will then be able to chose between several cheap auto insurance quotes to find the best policy for your particular needs.