Before you drive, here's what you need to know:
Most states require you to have car insurance by law that outline the minimum level of coverage you must buy. However, the minimum limits your state requires may not necessarily be adequate. State minimums typically only cover basic liability protection, which may leave you vulnerable in case of serious accidents. It's crucial to consider additional coverage options like collision, comprehensive, and uninsured motorist protection to ensure you're fully protected. Factors such as your vehicle's value, driving history, and personal assets should all influence your coverage decisions. Remember, while minimum coverage might save you money in the short term, it could cost you significantly more if you're involved in an accident that exceeds your policy limits.
Get QuoteFind out if you are eligible for these discounts:
Good Driver
We believe you should get rewarded for good driving. If you've been accident and DUI-free for the last 3 years, you could qualify for savings of up to 20%!
Bundling
Bundle 2 or more insurance policies (ex. Home & Auto) and you can unlock savings of up to 20%!
Hybrid Vehicle
While you're saving on gas, you may be eligible for savings of up to 10%!
More useful resources for car insurance:
Compare the 6 Types of Automobile Insurance Coverage
A basic auto insurance policy contains six types of coverage. Depending on where you live, some coverage is required and some is optional. Bodily injury liability, Property damage liability, Medical payments or Personal Injury Protection (PIP), Collision, Comprehensive, Uninsured/Underinsured motorists coverage (UM/UIM), and Extras, like roadside assistance.
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