Car Insurance to Fit Any Budget
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When it comes to car insurance, you’ve got a lot of options to choose from because every driver on the road is unique. Your car, your driving history, and of course your budget are all factors to consider when shopping for car insurance.
We make it easy to customize a policy to fit your needs.
Auto Insurance FAQ
Simplify your life and save money at the same time. When you bundle your auto insurance with other policies, such as homeowners, renters or life insurance, you may be eligible for a multi-policy discount of up to 20%.
Car insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damages. Auto insurance can also pay for medical bills if you or your passengers are injured in an accident or you’re hit by an uninsured or underinsured driver.
Your car insurance coverage depends on the policy you purchase, but a typical car insurance policy includes:
Bodily injury (BI) and property damage (PD) liability coverage for damage caused to other people or property.
Personal injury protection (PIP) to cover medical expenses and other damages.
Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).
Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.
How much you pay for car insurance depends on a number of factors, including your age, ZIP code, and driving history. A recent survey of 20 different insurance companies showed an average annual rate of $1,000 – $1,500 for full coverage.
Most insurance companies offer discounts on car insurance:
- Home + auto
- Multiple auto
- Safe driving record
- Good student discount
- Defensive driving course
- Vehicle safety features (air bags, etc.)
Auto insurance is required in all states except New Hampshire. Most states have a minimum liability requirement, and if your vehicle is financed, your bank probably requires full coverage insurance.
Driving without insurance can result in a fine, license suspension, or even jail time.