cheap car insurance nationwide

What is Cheap Car Insurance?

Cheap car insurance is a type of insurance that provides financial protection for drivers in the event of an accident. It covers the costs of repairs, medical expenses, and other damages that may result from a car accident.

There are many different types of cheap car insurance policies available, so it is important to compare quotes from multiple insurers before making a decision. Some of the most common types of coverage include:

Liability Coverage

Liability coverage protects drivers from financial responsibility for damages caused to other people or their property in an accident. This type of coverage is required by law in most states.

There are two types of liability coverage: bodily injury liability and property damage liability. Bodily injury liability covers the costs of medical expenses and other damages suffered by people who are injured in an accident. Property damage liability covers the costs of repairing or replacing property that is damaged in an accident.

Collision Coverage

Collision coverage protects drivers from financial responsibility for damages to their own car in an accident. This type of coverage is not required by law, but it is highly recommended.

Collision coverage can be either comprehensive or collision-only. Comprehensive coverage covers damages to your car caused by any type of accident, including collisions with other vehicles, objects, or animals. Collision-only coverage only covers damages to your car caused by collisions with other vehicles.

Comprehensive Coverage

Comprehensive coverage protects drivers from financial responsibility for damages to their car caused by events other than collisions, such as theft, vandalism, or natural disasters.

Comprehensive coverage is not required by law, but it is highly recommended for drivers who live in areas where their car is at risk of being stolen or damaged by natural disasters.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects drivers from financial responsibility for damages caused by drivers who are uninsured or underinsured.

This type of coverage is not required by law, but it is highly recommended for drivers who live in areas where there are a lot of uninsured or underinsured drivers.

Medical Payments Coverage

Medical payments coverage pays for the costs of medical expenses for the driver and passengers in the event of an accident, regardless of who is at fault.

This type of coverage is not required by law, but it is highly recommended for drivers who want to make sure that they have coverage for medical expenses in the event of an accident.

Personal Injury Protection Coverage

Personal injury protection coverage pays for the costs of medical expenses, lost wages, and other damages suffered by the driver and passengers in the event of an accident, regardless of who is at fault.

This type of coverage is required by law in some states, but it is not required in all states.

Gap Coverage

Gap coverage pays the difference between the amount that your car is worth and the amount that you owe on your loan in the event that your car is totaled in an accident.

This type of coverage is not required by law, but it is highly recommended for drivers who have a loan on their car.