Auto Insurance Quotes
Receive FREE Auto Insurance Quotes From Leading Insurance Companies
Auto insurance is a requirement if you drive a car, but you don't have to spend an arm and a leg to get the coverage you need. You owe it to yourself to shop around and find the coverage you need at a price you can afford. Fortunately, fun88.com, makes it easy to get multiple, FREE, no-obligation quotes from leading insurance providers, which allows you to comparison shop vehicle insurance coverage from the comforts of your home.
There are several things to consider when looking for the best auto insurance policy. You need to purchase coverage from a company that will be there when you need them the most. You need the right coverages so that you are protected in the event that you are involved in an accident. You need an insurance deductible that you can afford if you have to file a claim. fun88.com, are items that you can control because you choose the coverage, the company, and the deductible for your auto insurance.
There are some things about auto insurance rates that are not as easy to control. These include the area in which you live, what kind of car you are insuring, and your age. Different states have different minimum coverage requirements. The type of car and its age have a direct influence on your premium. Your driving experience and driving record will impact the premium you pay. The above variables are harder to control but have an influence on how much your auto insurance rate will be.
If you operate a motor vehicle on public roads, then you are legally required to carry coverage to protect third parties should you cause an accident. This is called liability coverage and the minimum required amount will vary depending on what state you live in. Another part of a typical vehicle policy is physical damage coverage, which pays for damage to your vehicle. This is not a state-mandated coverage, but most likely will be required by any lien holder (the company that the vehicle was financed through), fun88.com, if there is one.
The liability portion of the policy provides coverage when an insured driver causes bodily injury to a third party, or causes damage to property owned by a third party (including vehicles, buildings, etc.). State mandated liability limits are usually fairly low, which means that even if you are carrying the state minimums, you most likely will be underinsured. Always carry enough liability coverage to cover your net worth, at the very least.
Physical damage coverage is for the insured vehicle itself, not for a third party's vehicle. This is not state mandated coverage because the state doesn't care if you damage your own car - they are only interested if you involve a third party. Broken down into comprehensive and collision, physical damage coverage rates will greatly depend on the make and model of the vehicle being insured. The more expensive the vehicle, the more expensive it is to repair, and the higher the cost of physical damage coverage will be.
View the below table to get a better understanding of the main types of coverage available through a typical vehicle insurance policy. There will be other optional coverages available, which will vary depending on the coverage provider.
Never settle for the first auto insurance rate quote you get. Always shop multiple insurance providers to see which has the best combination of coverages you need at rates you can afford. Always make sure you are comparing the same coverages and deductibles before you make a decision as to which auto insurance policy you choose. This will ensure that you are comparing apples to apples and not looking at policies that have varying coverages, which will influence the rates.
By using NetQuote to get auto insurance quotes, you easily receive multiple, FREE, no-obligation rate quotes from leading auto insurance providers, allowing you to quickly compare your options and choose the company that has the best policy for your needs. Get FREE, no-obligation auto insurance quotes today and see how much money you can save!
Basic Auto Insurance Coverages
| First Party Protection* | Third Party Protection** | |
| Liability - Coverage for injuries to a third party caused by an insured vehicle and is broken into two parts - Bodily Injury and Property Damage. (See below for further explanation of each.) Liability limits are often expressed as a series of three numbers. For example, 100/300/50 indicates maximum liability limits of $100,000 for bodily injury to a single person, $300,000 for bodily injury for a single accident, and $50,000 property damage limits per incident. |  |  |
| Bodily Injury - Coverage for third party bodily injuries caused by an insured vehicle involved in an at-fault accident. Bodily injury coverage applies to people inside vehicles hit by the insured, as well as individuals outside of any vehicle, such as pedestrians. | | |
| Property Damage - Coverage to property owned by a third party that is damaged by an insured vehicle. Property damage coverage applies to third party vehicles, as well as other types of property (buildings, signs, guardrails, fences, etc.). | | |
| Medical Payments - Coverage for people that are injured while inside of an insured vehicle. Medical payments coverage applies to all people inside of a covered vehicle, including the named insured, their family members, and other individuals. Coverage may also extend to insured individuals when they are a pedestrian and are injured by a motor vehicle. Extended benefits may be available that help pay for lost wages, as well as other damages, as outlined in a specific policy. | | |
| Uninsured/Underinsured Motorist - Coverage that applies to an insured person/vehicle when damages are caused by a person without an auto policy, or they have a policy but it doesn't meet state-required liability limits - both of these cases meet the definition of an uninsured motorist. An underinsured motorist is a third party with an auto policy, but the policy liability limits are not enough to cover the damages that they caused. While uninsured/underinsured motorist coverage is optional in most states, it is highly recommended since many people only carry state-required minimum liability limits, which oftentimes is not sufficient coverage. You purchase uninsured/underinsured coverage on your policy, and it pays out when an uninsured/underinsured motorist causes damage to your covered vehicle. In most cases, uninsured/underinsured limits cannot exceed your liability limits. | | |
| Physical Damage - Coverage for an insured vehicle itself and is broken into Comprehensive and Collision (see below for further explanation of each coverage). A deductible is associated with physical damage coverage, and is the amount the insured pays for a claim before the insurance company starts paying. Deductibles range from $0 to $1000, or more, with higher deductibles generally resulting in lower policy premiums, as the insured is taking on more of the risk themselves. Rates for comprehensive and collision coverage is partially determined by the vehicle make and model, as well as claims history for the type of vehicle. | | |
| Comprehensive - Coverage for damage to an insured vehicle caused by incidents such as theft, vandalism, fire, wind, water, flood, earthquakes, explosions, and riots. Put simply, comprehensive pays out for covered incidents that don't fall within the collision category (see below). | | |
| Collision - Coverage for damages to an insured vehicle that are caused when an object is hit (a collision occurs). Collisions with other vehicles, as well as collisions with immobile objects such as signs, lights, trees, structures, etc., are covered by the collision coverage portion of a vehicle policy. | | |
* First Party - The persons and vehicles named on the policy, as well as any other occupants of the insured vehicle.
** Third Party - Someone other than the named insured whose property is damaged through the operation of the named insured's covered vehicle, or who is injured by the named insured's covered vehicle (but isn't inside the insured vehicle at the time of the accident).
Note: In an auto policy, the "second party" is the insurance company that issues the policy. This means that the first party (named insured) purchases coverage from a second party (insurance company) to cover damages to a third party, and also to the first party, as explained in the above table.
