Before you start searching for auto insurance discounts and getting auto insurance, learn about both the basic and optional insurance coverage available. Do you need auto liability insurance and/or bodily injury liability protection? Should you purchase optional gap auto insurance? And what is the difference between comprehensive auto coverage and full coverage auto insurance? You'll find all the answers right here.
When you buy car insurance online, don't just compare auto insurance quotes, take a close look at the insurance coverage that comes with each insurance policy.
Auto insurance coverage is packaged into a number of different components. When considering discount car insurance, the first thing to do is determine what your state's minimum auto insurance requirements are. Each state is different, so visit our State-by State Insurance Guide to find out your state's requirements.
You purchase car insurance for two reasons:1) to protect yourself (and your family) in the event of an auto accident and you suffer a loss to your person or property; and, 2) to protect yourself (and your family) from losses suffered by others in the event of an auto accident.
Here are the basic types of auto insurance coverage and their components:
Listed below are the different components of a basic auto insurance policy, as well as several types of optional insurance coverage :
- Auto Liability Insurance
- Bodily Injury Liability Protection
- Collision Coverage
- Comprehensive Auto Coverage
- Full Coverage Auto Insurance
- Personal Injury Protection
- Property Damage Liability
- Uninsured Motorist Bodily Injury Protection
- Uninsured Motorist Property Damage
- Rental Car Reimbursement Coverage
- Towing Reimbursement Coverage
