Compare quotes from top insurers, understand your coverage options, and save money on your premiums.
Get StartedReview your auto insurance policy annually. Bundling home and auto insurance can save you up to 25% on premiums.
Different insurers quote different rates for the same coverage. Compare multiple quotes to find the best deal for your situation.
The average driver can save $1,200+ per year by switching insurers or optimizing their coverage. Take advantage of discounts.
Understand different coverage types (liability, collision, comprehensive) and choose what's right for you and your vehicle.
Auto insurance is a contract between you and an insurance company. You pay a premium, and in return, the insurer agrees to cover certain costs associated with driving-related incidents, as defined in your policy.
Key components:
Understanding the difference between basic and comprehensive coverage is crucial when choosing a policy.
Liability Coverage (Required in most states):
Full Coverage (Recommended for financed vehicles):
There are many ways to reduce what you pay for auto insurance without sacrificing coverage:
Auto insurance policies include several coverage types to choose from:
State minimum requirements vary, but most states require a minimum of liability coverage. Common minimums are 15/30/5 (meaning $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage). Some states have higher minimums. Check your state's DMV website for exact requirements.
Insurers use many factors to calculate your premium, including: age and driving history, vehicle type and safety features, coverage types and limits, deductible amounts, location, annual mileage, and credit score (in most states). Some insurers also offer usage-based programs that monitor your driving habits.
If you're in an accident: (1) Check for injuries and call 911 if needed, (2) Move to a safe location, (3) Exchange information with other drivers, (4) Document the scene with photos, (5) Get witness contact info, (6) File a police report, (7) Contact your insurance company promptly, (8) Keep all documentation.
Most insurers require a valid driver's license to get auto insurance. However, you may be able to get coverage if you have a learner's permit and meet certain conditions. Some companies offer coverage for household members with learner's permits. Check with individual insurers for their specific requirements.
Most accidents stay on your driving record for 3-5 years, though this varies by state and insurer. Even after they drop off your official record, some insurance companies may still consider older accidents when calculating rates. However, the impact on your premium typically decreases over time, especially if you maintain a clean record after the accident.
Common auto insurance discounts include: safe driver discount, bundling (home + auto), good student discount, defensive driving course completion, low annual mileage, paperless billing, automatic payment, paid-in-full option, and usage-based/telematics programs. Some insurers offer discounts for vehicle safety features or loyalty. Always ask your insurer about available discounts.
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