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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Comparing auto insurance quotes online can be difficult if you’ve never compared online auto insurance quotes. Don’t let that stop you because online price shopping is actually quite simple.

The best way to get policy rate comparisons is to know the fact most larger insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is take a few minutes to give details such as how you use your vehicles, whether you have decent credit, the year, make and model of vehicles, and whether you are single or married. The rating information is submitted instantly to many different companies and you get price estimates within a short period of time.

If you would like to start a quote now, click here and find out if you can get cheaper insurance.

Auto Insurance Discounts

Car insurance companies don’t always publicize the entire discount list in a way that’s easy to find, so here is a list some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • Telematics Devices – Insureds who allow companies to study driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they have good driving habits.
  • Savings for New Vehicles – Insuring a vehicle that is new can save you some money compared to insuring an older model.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Paperwork-free – Many insurance companies provide a small discount for buying your policy on the web.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Renewal Discounts – A few insurance companies offer discounts for signing up before your current policy expires. You can save around 10% with this discount.

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic.

To see a list of companies with the best discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • When can I cancel my policy?
  • When should my teen driver be added to my policy?
  • If I drive on a suspended license am I covered?
  • Do I need roadside assistance coverage?
  • Why is insurance for a teen driver so high?
  • Does car insurance cover theft of personal property?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the best liability limits?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Coverages available on your car insurance policy

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses such as ambulance fees, rehabilitation expenses, hospital visits and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hail damage and falling objects. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2024 Mercedes-Benz E-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, attorney fees, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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