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Auto Insurance and How to Purchase it

Car insurance

With the advent of auto insurance in 1925 the industry has been protecting auto drivers for almost 90 years. Car insurance provides several benefits as well as protects the insured from penalties and lawsuits. With just over five million auto accidents a year in the United States the need for car insurance is more than justified. One in thirty-six people will be involved in some type of auto accident this year not including things like storm damage, theft, fire, or just bad luck. Just like driving without taking your online driver's ed, driving without insurance puts you and all other drivers at financial risk and is illegal in most states.

Financial responsibility

Not all states require auto insurance but all require you to meet the financial responsibility law which requires any driver to prove they have the financial means to account for any costs associated with an accident before they can drive. The easiest and most common way is to meet your states' minimum requirements for auto insurance. In some states it is mandatory to carry auto insurance and in others you have alternatives to prove financial responsibility. Both minimums and alternatives are listed on your state's insurance page. Select a state in the upper right to find out options for your state.

advantages and benefits

The advantages and benefits of carrying car insurance are many but some of the big ones are; covering all the medical costs for you, your occupants, and any other drivers involved in the accident. Paying for all your repairs and transportation costs as your auto is being repaired. Just think if you were involved in an accident with another driver and you both had to go to the hospital for medical help and your autos needed repairs to be drivable again. You have the ambulance and hospital costs, the repair costs, the time and wages lost at work or school, and possible law suit costs. Would you be able to cover all these costs on your own? Most people can’t and those who can opt for auto insurance as prudent financial action.

Peace of mind

Just like online driver's ed from, auto insurance gives you peace of mind. Knowing you or your teen are fully covered from financial burdens in the event they are involved in an accident. Unfortunately it does not prevent anyone from getting into accidents themselves. The best insurance for preventing auto accidents is a solid driving education in both theory and behind the wheel. Second to education is experience, so parents get involved and teens get out and practice with your parents.

Purchasing auto insurance

Purchasing auto insurance can be done one of two ways, through a licensed insurance agent or online. Like with most purchases you can find an endless amount of good information on auto insurance online as well as obtaining initial quotes for different levels of insurance. Locating a qualified agent if need be can be part of the online process after identifying the best rate or insurance discount for yourself. Detailed information makes all the difference in getting an accurate quote. You should have handy your car's year, make, model, vehicle identification number (VIN), any safety or anti-theft accessories installed on the car and the zip code where you leave it at night. Also be able to provide your license number and the date when you were first licensed, and obtain a copy of your driving record. You can start research by getting a quote from our site. Simply fill out the fields on our quote box and you will have all the information you need in minutes.

Types of Insurance Coverage.

  • Liability Insurance pays for accidental  property damages and bodily injury  to other drivers in an accident. Damaged property and damaged automobiles fall under property damages. Medical expenses, pain and suffering and lost wages fall under injury damages. Defense and court costs can also be covered under liability insurance. States have their own minimum insurance requirements you must purchase but often do not cover you enough. Purchasing the right amount is up to you. 
  • Collision Insurance simply covers the cost of repairs to your vehicle caused by an auto accident with another vehicle or object.
  • Comprehensive Insurance covers your auto outside of an accident for loss and damages. Damages comprehensive insurance covers can be loss or damage caused by wind, fire, flood, hail, theft or vandalism.
  • Uninsured Insurance covers the costs of repairs to your car when involved in an accident with another person who does not have insurance.
  • Underinsured Insurance covers the costs of repairs to your car when involved in an accident with another person who does not have sufficient liability insurance.
  • Medical Insurance covers medical costs regardless the cause or fault of the auto accident.
  • Personal Injury Protection (PIP) can be required in your state to cover medical costs regardless of fault or cause of auto accident.
  • Gap Insurance pays for the difference between what is owed on the loan of the vehicle and what the auto is valued in the event the car is totaled due to loss or damage. Typically offered by the auto loan company.
  • Roadside Assitance Insurance is coverage that will help you in the event you have a flat tire, run out of gas, or your car won’t start. Most providers cover you 24/7 everyday.
  • Towing and Labor Insurance covers the costs to get your auto towed and running again in the event it gets stuck or breaks down. These policies typically do not cover the cost of parts or use of special equipment.
  • Rental Reimbursement Insurance is just that, it covers your costs for a rental car while your auto is repaired due to a loss or damage. Most policies have a per day or term associated to them.
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