Don’t Let Car Insurance Quotes ruin the Fun of Owning a car

The way car insurance is structured and sold is going through some significant changes. Before the 1980s, the question most people asked themselves was: Can I afford the car I really want? Since the 1980s, the question has become: I can barely afford a car, so how can I afford to carry insurance on it?

The car insurance companies decide whom they will sell a policy to as well as the price they will charge, which is virtually different for every person, based on a two-page application form

The main reason you need car insurance is that the law says you have to have it. This mandated insurance usually relates to liability exposures. You have to be able to pay for the damage to other people or their property you may cause.

Most states call these laws "financial responsibility requirements." Technically, you can use something other than insurance to meet the requirements. Many states will allow you to post a cash bond instead of buying car insurance. If you cause a car accident, anyone you hurt can make a claim against the bond.

When you’re looking at car insurance quotes, it’s good to be aware that each state has different rules about the coverage you must get. Excluding New Hampshire, South Carolina, Virginia, Wisconsin and Tennessee, every state requires you to buy at least a minimal amount of basic liability insurance. This type of insurance pays damages to the other driver when you are at fault in an accident. Liability coverage consists of three components, and every state requires a different amount for each component: (1) bodily injury per person involved in the accident (between 1000 and 5000, by state), (2) total bodily injury for all the people involved (between 2000 and 10,000), and (3) total property insurance for one accident (between 500 and 2500). The amount of your car insurance quote will depend in part on the rules of the state in which you live.

If you’re considering additional coverage, several types exist. Comprehensive and collision coverage, usually the most expensive component of a plan, will pay for damages to your car whether or not you were at fault in an accident, and will cover damage to your car due to fire, vandalism and other unintentional causes. MedPay, Personal Injury Protection and no-fault coverage kicks in to cover your personal medical expenses and, when expanded, pays for childcare or lost wages due to an accident. Our car insurance quote partner will help you consider all the types of insurance available, and help you find the best deal on each of them. When it’s time to take that last step before you hit the road, we’re here for you.