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You may be spending hundreds, if not thousands of dollars more on auto insurance than you should. The longer you’ve been with your provider, the more you’re likely to save by switching. For instance, our customers who have stayed with the same auto insurance company for 12 months or more save $500+ on their premiums when they move to a new provider.
How Does Comparing Multiple Car Insurance Quotes Save You Money?
A big difference between insurance companies is who they want as their customers. Companies target different groups of drivers. Some insure only drivers with clean records. Others specialize in insuring drivers with accidents or violations. As a result, they’ll tweak their prices to attract the types of customers they want.
What this means is there isn’t one company that’s the best for everyone. Instead, you need to find the insurer that’s right for you. That’s why we compare 60+ top car insurance companies and find you the best rates with just a single form – to make shopping for car insurance as easy as it should be. We’ll even help you find hidden discounts and explore bundling options, so you can save even more.
So, you may be spending hundreds, if not thousands of dollars more on auto insurance than you should. The longer you’ve been with your provider, the more you’re likely to save by switching. For instance, customers who have stayed with the same auto insurance company for 12 months or more save $500+ on their premiums when they move to a new provider.
Car Insurance Types
It’s good to have an idea of what kinds of auto insurance you want when you’re ready to compare car insurance quotes. Here are the main coverage types.
Liability insurance. This is required in most states and is the foundation of auto insurance policies. Liability coverage pays others for accidents you cause, including injuries and property damage. Note that liability insurance does not cover any damage to your own car.
Collision insurance. This pays for damage to your car if you hit something, such as a pole or tree.
Comprehensive insurance. This pays out if your car is stolen. It also covers damage to you car if you hit an animal or if you have damage from flood, fire, hail, vandalism or falling objects (such as a tree branch).
Uninsured motorist (UM) insurance. If you’re injured by a driver who has no liability insurance, this coverage pays medical bills. In some states you can also buy a version that covers car damage from an uninsured motorist.
Personal injury protection (PIP) and medical payments (MedPay) coverage. These pay for injuries of you and your passengers, no matter who was at fault. Some states require PIP, where it is sometimes called “no-fault insurance.”
Rental reimbursement insurance. If your car is in the shop due to an accident covered by your policy, this helps pay for a rental car. It typically has a daily and total maximum that it will pay.
How much car insurance coverage should I get?
Before you set out to get a car insurance quote, have an idea of what levels of coverage you want. The minimum you must buy will be decided by your state. State requirements can include liability insurance, uninsured motorist coverage, and personal injury protection (called PIP or no-fault). Here are examples of levels of coverage for liability and uninsured/underinsured motorist coverage.
Highest level
- $250,000 per person/ $500,000 per accident bodily injury liability
- $100,000 property damage liability
- $250,000 per person/ $500,000 per accident uninsured/underinsured motorist
Typical level
- $100,000 per person/ $300,000 per accident bodily injury liability
- $50,000 property damage liability
- $100,000 per person/ $300,000 per accident uninsured/underinsured motorist
Minimum level (state requirements might be higher)
- $15,000 per person / $30,000 per accident bodily injury liability
- $5,000 property damage liability
- $15,000 per person/ $30,000 per accident uninsured/underinsured motorist