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 Online Insurance Quotes

A car is one of the biggest, most expensive investments a person can make. It's an investment worth protecting and you can do so with a number of car insurance companies, all competing for your business. We made this guide to help you find the right company and policy to meet your needs.

We'll discuss what it is people are looking for in their auto insurers and how we compiled the list below. You'll find out exactly what's included in those online quotes and who offers them at which rates as well as some additional steps that should be taken before making any decision on a new policy.

How To Get An Online Auto Insurance Quote

There are several steps you'll want to take before purchasing your policy. Some will be time consuming, but they could save you time and money elsewhere by avoiding expensive mistakes. First, make sure your driving record is clean. An online auto insurance quote isn't going to help if it doesn't include the right information, so check for any mistakes before applying for coverage. Two of the biggest problems drivers run into is speeding tickets and accidents that weren't reported. Either of these situations can increase your rates dramatically so double-check them if you have the misfortune to be in either situation.

After your driving record is checked, the next step is to choose the type of auto insurance coverage you're looking for. Coverage can range from multiple cars and bodily injury to full coverage, but there are several options that will fit most drivers and budgets. The policy should also include a deductible and payment schedule so you know exactly how much it will cost you after making a claim.

When getting auto insurance quotes online is the only option available, it's important to be picky about which company you apply for coverage with. It's easy to get locked into one policy for too long without giving other companies enough time to decide whether or not they want your business. Opt for at least two quotes before deciding which company to apply with.

The final step in getting an online auto insurance quote is submitting the papers online. Once you decide on a policy, you'll be able to view all of the information and make changes if necessary. You should also double check that your old coverage is still in effect, either through the DOR or through your own records. Your current auto insurer still has the right to renew your coverage without permission from you if they're paying for it and there's nothing stopping them once they've done so, even if you've changed companies.

What To Look For When Buying Auto Insurance

Once an online insurance quote has been submitted and the policy written, it's easy to sit back and enjoy the fruits of your labor. It's important to remember that you're not done yet, however. Auto insurance coverage tends to be very confusing and once you understand the basics you'll want to know what else is available.

There are three main types of policies that can be purchased from any car insurance company: liability, physical damage and comprehensive. You'll want your policy to include at least one of these types of coverage and more if possible.

Liability. This type of insurance covers any damages you cause any other person while operating your car and is often referred to as GAP or "Goods and Services" coverage. You're covered no matter how it happened and the amount is determined by the type of policy, not who caused the damage. It's an important part of your insurance because if you're ever sued for damages related to your car, you'll want this coverage in place to protect yourself from financial ruin.

Comprehensive. This is a personal insurance policy that covers all repairs after an accident that are not connected to other people or their possessions. If you're in an accident and suffer damages to your car that aren't related to other people, Comprehensive insurance will cover the costs.

Physical Damage. This covers costs associated with damage to your car, regardless of who caused it. The cost is determined by how much the car was worth before the accident and can also cover any aftermarket items that are damaged.

It's important to remember that these types of insurance don't cover everything and if you have a loan on your car then it won't be covered at all. You'll need full coverage or risk not being able to pay for the damages out of pocket, which is rarely an option for most people.

Many people also like to think of full and no-fault insurance separately. Full coverage is often referred to as "No-Fault Insurance" or colloquially as "Personal Injury Protection" (PIP) and it covers medical expenses after an accident that are a result of injuries sustained in the accident. This type of insurance is very important because many drivers don't have the money to cover medical expenses. This coverage reduces risk associated with uninsured drivers, too, so most states include this type of coverage by default.

Full No-Fault Coverage: Pays for medical bills related to car accidents that aren't caused by negligence on your part or on the part of a passenger in your car.

No-Fault Coverage: Requires that you purchase a separate policy, but is required by most states and can include medical expenses, lost wages and more.

Even though this type of insurance is usually included with other types, there's little point in paying for it as a separate policy if you can get it included with your other policies. It's not worth wasting money when you're already spending it on things that matter more to your financial health.

Additional Auto Insurance Policies You'll Want To Consider

There are several additional auto insurance policies that will be added to the three discussed above in most policies. We've already mentioned comprehensive but there are others that increase your coverage or reduce costs associated with certain situations.

Physical Injury. This is one of the most important policies to look for in your auto insurance, regardless of your driving history. If you suffer injuries in an accident and are unable to continue reimbursing for these damages, it will cover all costs associated with the injury and a large portion of lost wages.

Collision. This covers the cost of repairing damage caused by colliding with another car or an object. It's a relatively inexpensive policy to purchase because it covers so much while still keeping your premiums low. It won't cover any damages that were somehow caused by you (i.e., vandalism) but does pay for fixing damage caused by vehicles you don't own (i.e., hit-and-runs).

Conclusion

It can be difficult to know where to start when it comes to buying auto insurance, but the tips here should help. We've shown you what most people think of as the basics and how to go about finding an online quote for liability insurance.

The next step is a little trickier because it's not something you want to walk into blindly. Personal injury protection (PIP) is often considered a separate policy that must be purchased by people who have had an accident without bodily harm and the minimum requirement in most states is $15,000 worth of coverage. These policies don't cost much, however, and are often included with full coverage or comprehensive policies.