Find the Best Car Insurance for Your Needs

Liability coverage pays for damages that you cause to another vehicle or person.

Property liability coverage will pay for their vehicle and personal property (like a mailbox) to a certain amount, like $50,000.

Personal injury liability coverage pays for the other driver’s medical costs associated with the accident.

Collision coverage includes all damage to your vehicle. Many drivers include liability and collision coverage on their policy as a bare minimum to protect their personal property and financial best interests.

If you get in an accident and have collision coverage, your insurer will pay for some or all of your repairs, depending on your policy.

If the repairs cost more than the value of your vehicle, they may “total” your vehicle, offering you market value instead.

Comprehensive coverage includes all non-accident-related damages.

Your insurer will cover some or all of the costs to repair or replace your vehicle after theft, vandalism, or weather-related events.

Comprehensive coverage is an excellent add-on to other policies, though it will not protect you from accident damage.

Auto insurance rates vary for every individual. You could pay as little as $30 a month or over $150 depending on your risk factors, location, and history.

The top factors affecting your quoted rates include the following:

• Your driving record
• Your location
• Your coverage history
• The type of vehicle you drive
• Your driving habits
• Your car’s safety features
• The deductible you choose
• The amount of coverage you purchase

Insurance companies use prediction methods to assess your coverage risks when creating your quote.

Because every insurance company has a proprietary method for creating rates, you may receive largely different quotes between organizations, even for the same coverage amount.

All auto insurance policies include deductibles. A deductible is how much you have to pay out of pocket before insurance kicks in and covers the rest.

For example, if you have a $500 deductible and a tree falls on your car, you will have to fulfill $500 before the insurance company pays for the rest of the damages. Deductibles work per claim. If you fulfill your deductible once, you will have to pay it again for any additional claim you file.

Plans with high deductibles typically cost less per month, while low-deductible plans come with higher monthly premiums.

Aside from the primary types of auto coverages, like liability, collision, and comprehensive, you can add many extensions to your plan. A few popular options include the following:

• Glass coverage: Covers windshield and window damage
• Roadside assistance: Provides emergency roadside assistance and towing
• New-car replacement: Provides you with the new-car value rather than the depreciated value if your vehicle is beyond repair
• Mechanical breakdown insurance: Covers repair costs for vehicle issues not related to accidents, like a mechanical breakdown
• Rental reimbursement: Covers rental car needs during vehicle repairs
• Rideshare insurance: Protects drivers who work for rideshare companies, like Uber and Lyft
• Gap insurance: Covers any financial gaps between your vehicle’s totaled value and remaining loan debt

The best way to find a budget-friendly auto insurance plan is by comparing all of your options.

If you only receive a quote from a single insurer, you will likely pay more than you need to. By comparing rates, you can receive better coverage at lower prices.

Auto insurance rates fluctuate greatly based on location. One company could offer the cheapest rates in California with the most expensive plans in New York.

You can find the best rates for your needs by using our quote comparison tool. We send you customized offers directly to your inbox in moments so you can easily pick a plan that works with your coverage and budget needs.

For most cases, you cannot avoid paying for auto insurance, but you can reduce your rates by using our tips below:

• Increase your deductibles. High deductibles typically offer lower premiums, though you should prepare to pay more if you need to repair your car.
• Sign up for a safe driving program. Many insurers now offer discount programs that require you to use a device to track your driving habits.
• Ask for discounts. You may receive discounts for different affiliations or even your age or good grades in school for student drivers. We recommend asking your representative about discount options.
• Complete a defensive driving course. Defensive driving courses can reduce your rates.
• Bundle your policies. You may save by bundling your home and auto insurance or by combining policies with other family members.
• Improve your credit. Poor credit scores impact your rates, so improving your financial status can offer rebounding effects.
• Drive safely. The better driving history you have, the lower rates you'll pay