best deal on auto insurance

What is Auto Insurance?

Auto insurance is a type of insurance that provides financial protection against losses resulting from an auto accident. It covers damage to your vehicle, as well as injuries to you and other drivers and passengers.

There are many different types of auto insurance coverage available, so it's important to choose the right policy for your needs. Some of the most common types of coverage include:

Liability Coverage

Liability coverage protects you from financial responsibility if you cause an accident that results in injuries or property damage to others.

There are two types of liability coverage: bodily injury liability and property damage liability. Bodily injury liability coverage pays for medical expenses and other damages if you injure someone in an accident. Property damage liability coverage pays for damage to property, such as vehicles or buildings.

Collision Coverage

Collision coverage pays for damage to your vehicle if you are involved in an accident with another vehicle or object.

Collision coverage is not required by law, but it is a good idea to have if you have a newer vehicle or if you live in an area with a lot of traffic.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle from events other than collisions, such as theft, vandalism, or natural disasters.

Comprehensive coverage is not required by law, but it is a good idea to have if you live in an area with a high crime rate or if you park your vehicle in a public place.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you from financial losses if you are involved in an accident with a driver who does not have insurance or who has insufficient insurance.

Uninsured/underinsured motorist coverage is not required by law, but it is a good idea to have if you live in an area with a lot of uninsured drivers.

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.

Medical payments coverage is not required by law, but it is a good idea to have if you do not have health insurance or if you have a high deductible on your health insurance.

Personal Injury Protection (PIP) Coverage

Personal injury protection (PIP) coverage pays for medical expenses, lost wages, and other expenses if you are injured in an accident, regardless of who is at fault.

PIP coverage is required by law in some states, but it is not required in all states. If you live in a state where PIP coverage is not required, you may still want to consider purchasing it.