The Best Auto Insurance Quotes, Rated for You

How much coverage?

Not sure how much coverage you need? Not to worry. There are many options when it comes to car insurance coverage, and what you choose depends on your unique situation. Drivers who prefer lower premiums might opt for their state’s minimum insurance, whereas drivers who want more peace of mind are likely to go for full coverage. To make things easier, we’ve done the research and come up with overviews of the most common types of coverage so you can figure out what’s right for you. Here are the major types of coverage to look into when buying car insurance:

• State minimum
• Liability
• Personal injury protection (PIP)
• Medical payments (MedPay)
• Full coverage
• Uninsured/underinsured motorist
• Gap, non-owners, and additional types

How about discounts?

While the carriers we feature tend to offer low prices anyway, we believe it’s always a good idea to take advantage of as many discounts as you can. Even when the percentages seem small on paper, they can really add up over time and decrease your spending on insurance significantly. Saving you money is a huge priority to us, and that’s why we tell you exactly what discounts each carrier offers when we send you your insurance matches.

Most car insurance discounts can be categorized into one of two categories: driver-based discounts and vehicle-based discounts. On the driver side, you could find yourself saving money due to your age, your driving record, where you work, or how you choose to pay your bills among other possibilities. When it comes to your vehicle, the type of car you drive, the safety features it has, and its age can all result in potential discounts. To get you started, we’ve found and summarized some of the most common driver and vehicle-based discounts, so you know exactly what to look for:

• Driver discounts
• Vehicle discounts

Given how many discounts there are out there, you will likely qualify for more than one on your new policy, which means savings that will add up to a lot of money over time. However, not all companies will offer you discounts outright, whether you qualify for them or not. Before signing up for your new policy, always ask about discounts directly to make sure you’re getting the savings you deserve.