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Auto Insurance Basics: Understanding Insurance and What it Covers



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Auto insurance may be widely required throughout the U.S., but that does not necessarily make getting it easy or second-nature. In fact, the decision to get insurance, and the type of insurance you get can be very difficult. There are lots of choices to make. From the get-go, finding the best car insurance quotes can feel arbitrary and confusing, leading to interactions with sales people treating you as another car insurance lead. And if you don’t know your options, you can miss out on something you might wish you had down the line. We are going to help you better understand auto insurance, and the types of coverage available.

 

Auto Insurance 101

 

Auto insurance is a service provided by an insurance company, meant to protect you in the event that something unforeseen happens to your vehicle or you while driving. When you have it, if an unfortunate incident happens while you are driving, or even while you are parked, an insurance provider may take care of you financially, and protect you from the worst of the losses. In order to have insurance, you must pay an insurance company a fee, which varies depending on the type of coverage you desire. When you do this, you will be protected by the insurance company in the incidents detailed by your coverage.

 

Know Your Coverage

 

The type of auto insurance coverage you have will dictate how much of your losses will be covered by an insurance provider, so it is important that you select the coverage that best meets your needs. There are several types of coverage worth knowing about and considering.

 

The first type of coverage to know is liability coverage. This is what is legally required throughout the U.S. This coverage extends to the other driver in the event of a driving-related incident, such as a collision. Liability coverage may be broken down in amount for bodily injury per person, bodily injury per accident, and property damage, such as in 30/60/25, which means $30,000 is covered per person, $60,000 is covered for all injuries sustained in the accident, total, and $25,000 is covered for property damage.

 

The next two types of coverage to consider are collision coverage and comprehensive coverage. Collision coverage, as the name would suggest, covers any damages sustained during a collision. Comprehensive coverage covers damages from other things, such as weather and theft. Combining the two gives you what is known as full coverage, which can protect you in a variety of incidents.

 

There are other types of coverage to consider as well. For instance, uninsured motorist coverage covers you in the event that another driver doesn’t have insurance. There is also medical payments coverage. This covers any injuries sustained by you or passengers when you are considered at fault for a collision.

 

It is important you choose the types of coverage that you will feel comfortable having while a driver. While additional coverage comes at a higher price point, they also have the potential to save you a great deal in the event of an unforeseen event.

 

How to Find a Good Quote

 

Now that you know a little bit more about car insurance, you may be wondering how you can find the cheapest car insurance quotes without becoming just another car insurance lead. While it has not always been easy, Get-A-Quote has simplified the process of finding the cheapest car insurance quotes, with an easy to complete quiz that shows you your best options, in just a few minutes time. Make your search simpler. Let Get-A-Quote help you understand your insurance options. You’ll be thankful you did.