What car insurance coverage should I choose?

Collision Coverage

Most basic insurance policies only include liability coverage which covers damages you cause to other vehicles. The Collision coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix the damages to your vehicle minus a deductible you choose to pay out of pocket. Here we estimated the deductible based on your income. If you can afford it and don't mind the hassle of paying out of pocket each time, choose a larger deductible to keep your premiums lower.

This coverage is not a state requirement and if you own older cars, this coverage is not as necesary since the coverage is usually limited to the cash value of your car. Coverage is limited to the terms and conditions of your policy.

If you make payments for the vehicle, your lien holder will require this coverage.

You can click on the coverage selections above to learn more about them.

Comprehensive Coverage

The Comprehensive coverage covers damages to your vehicle caused by accidents other than collision. Some of these accidents that are covered by the comprehensive coverage include: damage to your car if it is stolen; damaged by flood, fire, or animals. This coverage also requires you to choose deductible that you pay out of pocket, and choosing a higher deductible will lower your premiums.

When you buy Collision you will likely be required to purchase Comprehensive Coverage. In some states, this is not a requirement.

Like the Collision coverage the Comprehensive coverage is also not required by the state and the coverage is limited to the terms and conditions of your policy.

Medical Coverage

Since you don't have any health insurance, medical coverage helps pay for the medical needs for you and your passengers. Some policies also provide coverage for you and your family members when they are riding in someone else's car, or when they are hit by a car while onfoot or riding a bicycle.

Medical Coverage

Since you only have health insurance coverage in cases of an emergency, you can get additional coverage to help pay for the medical needs for you and your passengers. Some policies also provide coverage for you and your family members when they are riding in someone else's car, or when they are hit by a car while on foot or riding a bicycle.

Medical Coverage

Since you have some health insurance coverage, you only need additional medical coverage if your limits are low and you need help pay for the medical needs for you and your passengers. Some policies also provide coveragefor you and your family members when they are riding in someone else's car, or when they are hit by a car while on foot or riding a bicycle. In some cases this coverage can even help pay the deductible in your health insurance coverage.

Medical Coverage

Since you have full health insurance coverage, additional medical coverage through you auto insurance is not really necesary. In some cases this coverage can even help pay the deductible in your health insurance coverage.

Bodily Injury Liability/Property Damage

This coverage helps pay for other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Bodily injury may include claims such as medical bills, loss of income or pain and suffering. Property damage helps pay for damages you cause to other people's property which is usually their car, but it also includes damages to property such as a house or fence.

A limit of $50,000/$100,000 for bodily injury liability pays $50,000 for each person in the accident up to a limit of $100,000 for the entire accident. And property damage limit of $25,000 pays up to this limit for damages caused to other's property. Commonly known as 50/100/25, if you have large assests to protect, it may be best to purchase a coverage with larger limits to protect you in case a lawsuit against you requires you to pay more than these limits. Coverage is limited to the terms and conditions contained in the policy. While you can choose the limits of your coverage, the coverage itself is mandatory in most states.

Bodily Injury Liability/Property Damage

This coverage helps pay for other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Bodily injury may include claims such as medical bills, loss of income or pain and suffering. Property damage helps pay for damages you cause to other people's property which is usually their car, but it also includes damages to property such as a house or fence.

A limit of $100,000/$300,000 for bodily injury liability pays $100,000 for each person in the accident up to a limit of $300,000 for the entire accident. And property damage limit of $50,000 pays up to this limit for damages caused to other's property. Commonly known as 100/300/50, if you have large assests to protect, it may be best to purchase a coverage with larger limits to protect you in case a lawsuit against you requires you to pay more than these limits. Coverage is limited to the terms and conditions contained in the policy. While you can choose the limits of your coverage, the coverage itself is mandatory in most states. If you have high assets to protect, you should also consider purchasing an Umbrella policy up to the value of your assets.

Bodily Injury Liability/Property Damage

This coverage helps pay for other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Bodily injury may include claims such as medical bills, loss of income or pain and suffering. Property damage helps pay for damages you cause to other people's property which is usually their car, but it also includes damages to property such as a house or fence.

A limit of $250,000/$500,000 for bodily injury liability pays $250,000 for each person in the accident up to a limit of $500,000 for the entire accident. And property damage limit of $100,000 pays up to this limit for damages caused to other's property. Commonly known as 250/500/100, larger limits like this helps protect your assets in case a lawsuit against you requires you to pay more than these limits. Coverage is limited to the terms and conditions contained in the policy. While you can choose the limits of your coverage, the coverage itself is mandatory in most states. If you have high assets to protect, you should also consider purchasing an Umbrella policy up to the value of your assets.

Towing Coverage

When you are involved in an accident and need roadside assistance or other emergency services, this coverage can help pay for those services.

Towing Coverage

Since you have a third-party roadside assistance or emergency service, you don't have to get this additional coverage for towing expenses.

Rental Coverage

Covers renting a car if your car is not drivable or while your car is being repaired because of a covered accident.

Rental Coverage

You indicated that you have an alternate mode of transportation while your car is in the shop, so you do not need to get this additional coverage for rental expenses.

Get a Quote Today!

Now that you have an idea of the coverage you need, found out how much it will cost you. Request a quote today and see how much you can save on auto insurance.