Back to list

Get A Quote

Auto Insurance Basics: Understanding Insurance and What it Covers

Posted on

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. 


How to Get Cheap Homeowners Insurance as a Young Homeowner

While homeowners insurance might seem like just another monthly bill to pay, choosing the right policy can be the difference between recovering from disaster and financial ruin. One of the...

Read More

How to Decide if You Need Earthquake Insurance in California

Earthquake insurance might not be the first thing that comes to mind when you buy or sell a home in California, but it’s still an important consideration to make when...

Read More

How Home Insurance Protects You in Case of a Disaster

If you own your home, you should probably be looking into some form of home insurance, which protects your home and its contents in case of various disasters or other...

Read More

What to Look for in a Home Insurance Policy When You’re a New Homeowner

Many people make the mistake of not researching their insurance options when they first buy their home. However, this can be one of the most costly mistakes you can make...

Read More

3 Tips For Finding Affordable Home Insurance

A homeowners insurance policy protects your home in case of fire, burglary, and other types of disasters or losses. Although these events are hopefully rare, it’s still important to be...

Read More

Homeowners Insurance Policy: Coverage D, E, and F Explained

When it comes to protecting your home, you don’t want to take any chances; you need to have the right level of coverage in place so that if there’s a...

Read More

Uncovering Homeowners Insurance Policy: Coverage A, B, & C

If you’re looking to get started on your homeowners insurance policy through the top Florida homeowners insurance companies, it’s important to understand what the different parts of your policy will...

Read More