most affordable 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 damages to your vehicle, as well as injuries to you and others involved in the accident.

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

Liability Coverage

Liability coverage protects you from financial responsibility for injuries or damages caused to others in an accident. This 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 coverage pays for medical expenses and other damages incurred by people who are injured in an accident that you cause. Property damage liability coverage pays for damages to property, such as vehicles or buildings, that are damaged in an accident that you cause.

Collision Coverage

Collision coverage pays for damages to your vehicle if it is involved in an accident with another vehicle or object. This coverage is not required by law, but it can be a valuable addition to your policy if you have a newer or more expensive vehicle.

Collision coverage typically has a deductible, which is the amount of money you have to pay out of pocket before the insurance company starts to pay for damages. The higher your deductible, the lower your premium will be.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle that are not caused by a collision. This coverage can include damages from theft, vandalism, fire, and natural disasters.

Comprehensive coverage typically has a deductible, which is the amount of money you have to pay out of pocket before the insurance company starts to pay for damages. The higher your deductible, the lower your premium will be.

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 does not have enough insurance to cover your damages.

This coverage is not required by law, but it can be a valuable addition to your policy if you live in an area with a high number of uninsured drivers.

Medical Payments Coverage

Medical payments coverage pays for medical expenses for you and your passengers, regardless of who is at fault for the accident.

This coverage is not required by law, but it can be a valuable addition to your policy 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 related to injuries you sustain in an auto accident, regardless of who is at fault for the accident.

PIP coverage is required by law in some states, and it can be a valuable addition to your policy if you do not have health insurance or if you have a high deductible on your health insurance.

Gap Coverage

Gap coverage pays the difference between the amount your insurance company pays for your totaled vehicle and the amount you still owe on your loan or lease.

This coverage is not required by law, but it can be a valuable addition to your policy if you have a newer or more expensive vehicle.