How to Choose the Right Car Insurance?

Every state has some form of “financial responsibility” laws, which means that if you own a vehicle, you have to show that you’re able to pay others if you cause a car accident. You’ll need proof that you can pay others’ car repair bills and medical expenses.

Most folks satisfy financial responsibility laws by purchasing car insurance. It’s usually the least expensive and easiest way to drive legally.

You can also buy coverage types like collision and comprehensive insurance to cover your vehicle for damage from car accidents, car theft, floods, fire, hail, collisions with animals and falling objects.

Direct Auto Insurance, Online or Over the Phone

With direct auto insurance, there is no need to seek out an agent or broker. Online car insurance quotes are popular, but you can also get direct insurance quotes over the phone.

When you get a car insurance quote online, you can see policy options laid out and are able to pause and resume the quoting process at your leisure. There’s no pressure or upselling — you enter your own information and don’t deal with agents or representatives unless you want to. You can get car insurance quotes from insurers’ websites or a third-party comparison website.

How to Determine What Type of Car Insurance Coverage You Need

Almost every state has certain minimum insurance requirements that must be met in order to be a legal driver. In many states, this may only be liability coverage, though it could also include other coverages:

  • Personal injury protection: Not available in every state, this coverage goes toward paying your own medical expenses regardless of who is at fault in an accident.
  • Uninsured/underinsured motorist coverage: covers you in the event you are injured by a driver who carries no insurance -- or at least not enough to fully pay your medical expenses. Sometimes available for property damage (UMPD)as well.
  • Medical payments: covers medical expenses for you and those in your vehicle up to your limit. Applies regardless of fault.
  • Collision coverage: covers collisions with another vehicle or fixed object
  • Comprehensive coverage: covers your car against non-collision physical damages
  • Gap coverage: pays the difference between what you owe on a loan and the car's value after depreciation
  • Roadside assistance: covers you in the event that your car breaks down. Usually covers the cost of towing, tire changes, and sometimes re-keying.

Check the Claim Process

One of the primary objectives of purchasing a car insurance policy is to get immediate financial assistance in the event of an accident. So, it is paramount that you choose an insurance that has an easy and quick claim process. The last thing you would want during an emergency is going through a complicated procedure to get compensation for the losses.