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Car Insurance in the USACar insurance can be confusing because there are so many options. In the United States, most states require individuals to carry liability insurance. However, this is often not enough protection against all of the risks you take on when you hit the road. Before you buy, compare all options in providers and coverage types. Doing so will help you to really find out if Progressive auto insurance is better than Allstate auto insurance or any of the other providers.
Types of CoverageConsider each of these types of auto insurance. Your needs are specific to your situation. Do not assume you just need a basic policy.
Liability InsuranceAs mentioned, most people need to carry liability insurance. This protects other people, not your vehicle. Liability protection covers the costs associated with damage to another person, another person's car, or another person's property. Be sure to check your states requirements to determine how much liability coverage you need to operate a vehicle legally in the state. If your vehicle is worth little and you can afford to replace it in the case of a total loss, this may be all you need in coverage.
Medical PaymentsThis type of coverage will pay for medical expenses. It covers you no matter who is at fault for the accident. It will also cover the medical needs of those people in your car with you during the accident. If a family member is involved in an accident while driving your car, this plan also covers the person's medical needs.
Collision CoverageThis type of insurance pays for damages to your vehicle when you are involved in an accident with another car or with an object. This is often the most costly component of your auto insurance policy because it is high enough to cover the cost of even serious accidents with significant damage.
Comprehensive CoverageAnother type of coverage to consider is comprehensive coverage, which is often a requirement of your lender if you are leasing a vehicle or have a loan on it. It covers damage to your car that does not come directly from a vehicle accident. This includes storm damage, vandalism, theft, falling objects, damage from animals, and broken windows.
Underinsured or Uninsured Motorist CoverageSometimes, you can do everything to protect your own financial risks, but you still find yourself in a situation dealing with costly mistakes caused by someone else. If you are involved in an accident with a person who has little or no insurance, this type of policy protects you. It will help to cover costs related to injuries to both you and your passenger. It also covers the damage to your car.
How to Save on Auto InsuranceNow that you know about the types of coverage, you can begin to decide what is right for you. To determine what these policies will cost you, request insurance quotes from several providers and compare them carefully. This way, you can compare Geico auto insurance to State Farm auto insurance and so on. When comparing policies from various providers, be sure you are comparing the same details. This includes:
- The same deductible, which is the amount you have to pay before insurance kicks in
- The same amount of coverage (a common way for some companies to seemingly offer less expensive insurance is to reduce the coverage value)
- The types of discounts and savings you qualify for, such as good driver discounts, loyalty programs, good student discounts, and anti-theft device savings