Getting auto insurance is a necessary part of buying a car in order to legally drive. Many different types of auto insurance coverage are available to make sure you’re protected in a wide range of circumstances. Once you have an idea of the kind of auto insurance you want, you can contact different providers to get quotes.
Each state has its own system for mandatory car insurance for residents. This insurance covers a driver’s liability. It pays out on property damage or injury from an accident where that driver is at fault. Without any insurance, that driver could go out and ram into things with no consequence (except for a whole bunch of lawsuits). With mandatory auto insurance, when you cause an accident, your rates go up, and if you can’t afford the insurance, you can’t afford to drive. Incidents like DUI/DWI also push up mandatory liability insurance rates.
A new product called pay as you drive insurance allows drivers to only pay insurance on a limited number of miles, bringing premiums way down.
A family policy can be a great way to avoid sky-high rates for a teenage driver. In a family policy, the group coverage often means savings in insurance rates.
Some households with agricultural operations can benefit from classifying vehicles for limited farm use. Again, certain restrictions apply.
Convenient tools are available online to get instant car insurance quotes tailored to your needs. If you already have life or health insurance, try seeing if your current provider can offer you car insurance at a reduced price since you already carry insurance with them. Online quotes are quick, easy, and free, so you should collect as many as possible to search for the lowest possible price.