Insuring Your Car: cheap insurance quote

In most states, you must have car insurance if you drive a car. Car insurance has a coverage. The necessary coverage that you need is:

• Bodily injury liability. If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which they may sue you. In most states, you must buy coverage of at least $15,000/$30,000. The $15,000 pays for injuries to one person. The $30,000 is the total available per accident.
• Property damage liability. If you damage someone’s property in an accident for which you are at fault, this coverage pays to repair it. In most states, you must buy $5,000 worth of coverage. Many standard policies include a higher limit (often $25,000).
• Medical benefits. This coverage pays medical bills for you and others covered on your policy, no matter who is at fault for an accident. In most states, you must buy at least $5,000 worth of coverage. The typical driver buys $10,000 worth. This coverage usually does not have a deductible.

The coverage that is not required but you should still have:

• Collision. This coverage pays to repair damage to your car in an accident. Like medical benefits, this is no-fault coverage. If you finance a car, most lenders require you to buy collision coverage. Car insurance companies will usually give you a $500 deductible unless you request a different amount. The higher your deductible, the lower your premium.
• Comprehensive. This coverage pays for theft or damage to your car from hazards including fire, flood, vandalism, or striking an animal. Again, most lenders require you to buy this coverage if you’re financing your car. And you can also set your own deductible for this coverage.
• Uninsured/underinsured motorist. The car insurance coverage pays for losses and damages, including your medical bills, lost wages, and pain and suffering, if you are hit by a person who doesn’t have any insurance or enough to cover the damage. It makes sense to purchase the same level of coverage that you have for bodily injury liability.

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