Drivers purchase car insurance to protect their car, to meet the state's insurance requirements, and to be protected if they are responsible for damages in an incident. The minimum requirements in each state provides liability insurance to pay for damages to the driver you hit in an accident and to pay for their car or property. Liability insurance does not offer any protection for damages you incur to your own person and property. When you are involved in an accident, many things are affected including your family, financial assets like your house, as well as your own vehicle. Getting the right coverage can help protect your family and your assests.
This coverage calculator offers basic recommendations for typical coverage, limits, and deductibles needed based on the answers you provide. Use this coverage calculator as a guide in choosing the coverage that's right for you. Always get the most coverage you can afford to ensure that you and your family are always protected.
If you want to save time, you can enter your zip code above and get a quote at CarInsurance.com. During the quote, CarInsurance.com has a comprehensive coverage selection tool that guides you with state specific dynamic choices for your situation.
Information about you and your household:
What is your marital status? * Required
Please Select
Single
Married/Domestic Partner
Divorced/Widowed
Do you have children who live at home with you? * Required
Please Select
No, Don't have children
Yes, Live at home
Yes, Don't live at home
Do you own or rent your home? * Required
Own
Rent
What is the approximate value of your home? * Required
Please Select
Less than $75,000
$75,000 - $99,999
$100,000 - $149,999
$150,000 - $199,999
$200,000 - $249,999
$250,000 - $499,999
$500,000 or more
Do you and frequent passengers in the car have health insurance? * Required
Yes
No
Select the option that best describes your health insurance coverage: * Required
Please Select
Only emergency coverage
Some medical and dental
Full medical and dental
Information about the assets you want to protect:
What is your household's annual salary-based income? *Required
Please Select
Less than $20,000
$20,000 - $39,999
$40,000 - $49,999
$50,000 - $59,999
$60,000 - $69,999
$70,000 - $79,999
$80,000 - $89,999
$90,000 - $99,999
$100,000 - $109,999
$110,000 - $124,999
$125,000 or more
What is the estimated value of your savings and all other assets, such as stocks and bonds, including retirement investment accounts such as IRAs and 401K plans? *Required
Please Select
Less than $25,000
$25,000 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 or more
What is your expected net worth when you retire, including your future salary from employment, interest from your investments and your retirement accounts? *Required
Please Select
Less than $500,000
$500,000 - $999,999
$1,000,000 - $1,499,999
$1,500,000 - $1,999,999
$2,000,000 or more
Coverage Type: Your Basic needs
Collision :
Comprehensive :
Medical :
Bodily Injury Liability :
Property Damage :
Towing :
Rental Reimbursement :
Additional Information about your coverage:
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.
Financed or Leased
Since you have financed or leased your vehicle, the lien holder may require you to purchase the Collision and Comprehensive coverage. Additionally, if you financed the car, you might be interested in getting GAP insurance to protect yourself when your vehicle is totalled and you owe more on your vehicle than the actual value of the vehicle.
You can purchase Loan/Lease Gap insurance with your auto policy at CarInsurance.com.
Vehicle in storage People often over look the comprehensive coverage when their vehicle is in storage or if the vehicle just sits in the garage and is not driven, because they think accidents only happen on the road. Vehicles can get damaged any time, these coverage often helps pay for a lot of these damages, even when your car is not driven much.
High Theft Area You are living in an area where cars are frequently vandalized or stolen, so the Comprehensive coverage is clearly something you should include in your policy. Typical liability and collision coverage does not cover damages to your vehicle if it is stolen. The comprehensive coverage pays for damages to your car if it is vandalized or stolen. You do not need Comprehensive coverage if your vehicle is not of high value or typically over 10 years old.
Animal Accidents Driving in areas with a lots of deer or other large animals, often lead to accidents that is not your fault or the animals. Accidents caused due to collisions with animals are usually covered in the Comprehensive coverage.
Severe Weather Living in areas with lots of sever storms, can cause a lot of unexpected damage to your cars. Snow storms, flooding tornadoes and hurricanes and other natural disasters are all covered in the Comprehensive coverage.
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.
