When you are in the market for cheap car insurance, you need to have a way of comparing several insurance carriers at one time to find the cheapest auto insurance available Get started comparing rates of several car insurance companies at one time by typing your Zip Code into the search box above. Enter in a few details about the type of policy you need. A search of our database will be run and you will be shown a list of results with car insurance companies that offer your desired type of policy in your area.
You will also be able to obtain car insurance quotes online with our comparison tool. Simply request quotes from the companies you select. You will quickly receive quotes from the best car insurance companies in the business. We offer the best car insurance comparison tool available on the Web. Let us help you find the cheapest auto insurance available for your specific needs.
What Type of Policy Do I Need?
In order to receive cheap car insurance quotes, you first need to determine what type of policy you need. Basically, you will either need liability insurance or a combination of policies to provide you with full coverage.
Full Coverage Car Insurance
Full coverage car insurance consists of two or more policies. Full coverage car insurance is actually Comprehensive coverage combined with Collision insurance. If your car is leased or financed by a bank or finance company, you are required to carry full coverage on your auto. This is because if you are in an accident or the car is stolen, you must have the coverage that will ensure the leasing or financing company’s interests are protected.
Collision insurance covers your car in case of a collision while you are driving the car. Comprehensive insurance covers your car in case of any other damage or theft. For example, if you are in an accident while traveling on the roadways, Collision coverage will pay a claim for repair or replacement of your car. However, Collision coverage does not cover your car in the cast of theft or weather damage. This is where Comprehensive coverage comes in. The Comprehensive part of your coverage will pay theft and weather damage claims. Your financing or leasing company will require that you maintain both types of coverage. If you fail to maintain coverage, the finance or leasing company will insure your car at much higher rates.
If you lease an auto or if you have a loan on your car, it is in your best interest to shop around and find the cheapest auto insurance rates available. The best auto insurance comparison tools will allow to do a side by side analysis of several companies at one time. Using our comparison tool, you can compare companies and request car insurance quotes online. Once you find the cheapest auto insurance, purchase your policy and make sure to keep the policy intact so you are not subjected to the whims of the finance or leasing company.
Additional coverage may be added to a full coverage policy. For example, GAP insurance provides payment to the vehicle’s owner if the car is totaled but the insurance claim payment does not cover the entire loan. Gap insurance will ensure that the car loan is paid off. Otherwise, the owner of the vehicle would be responsible for paying off the loan even though they no longer had the car. GAP insurance is a good idea for those who have car loans on newer cars. Because the loan may be more than the value of the car, GAP insurance will make sure that the owner of the car is not responsible for paying off the loan should the unforeseen occur with the auto.
Another type of insurance that may be included in a full coverage policy is Uninsured/Underinsured Motorist coverage. This type of coverage will cover the damage if you are in an accident with a motorist who is uninsured or if their policy does not provide sufficient coverage for the damage caused. Some states require drivers to carry a minimum amount of Uninsured/Underinsured Motorist coverage. In other states, this type of coverage is not mandatory. However, this coverage is always a good idea if you drive a newer model car.
Liability Only Car Insurance
Liability only car insurance coverage will provide drivers with the minimum amount of insurance required by law. Most states require that drivers carry a minimum amount of liability coverage. Each state specifies the minimums required in order for drivers to legally drive on the roadways. If you no longer pay payments on your car and you own your vehicle, you have the option of purchasing liability only insurance or full coverage. The older your car, the more sense it makes to simply carry a liability policy.
Most auto insurance carriers will automatically assign policy limits to liability only policies. However, these imposed limits often exceed the limits that are required by state law. Check with the auto insurance regulatory agency in your state to find out the minimum limits for a liability only insurance policy. Call your insurance company and notify them that you want to carry only the minimum amount of coverage required by law. If you carry only the state required minimums, you will reduce the cost of your liability car insurance.
Car Insurance Quotes Comparison Tool
Start using the car insurance comparison tool by entering your Zip Code in the box above. Whether you need full coverage or a liability only policy, shopping around for the best auto insurance rates will make sure that you obtain the coverage you need at the lowest price possible.Always compare auto insurance rates to get the best possible deal on your auto insurance. Obtain free car insurance quotes online right from the comparison tool. Get started right away and make shopping for car insurance simple and easy. Spend a little time on the tool and get the best deal for car insurance.