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Types of Auto Insurance: Know Your Choices

When you buy automobile insurance, many types of auto insurance coverage are available within a policy. Several choices are listed below.

  • Bodily injury liability
  • Property damage coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist

Types of Auto Insurance: Bodily Injury Liability

This covers any expenses from an accident that you may cause to someone else. It is required by law in most states. The Insurance Information Institute recommends that you carry at least $100,000 per person and $300,000 per accident.

Types of Auto Insurance: Property Damage Coverage

Usually, this means coverage for damage to someone else's auto or house. State minimums may vary, but many consumers choose to purchase $100,000 in coverage or more.

Types of Auto Insurance: Collision Coverage

If your car is damaged, this pays to make your auto whole or to buy a new auto if your old one is totaled. Deductibles apply; you pay up to a certain dollar amount before your coverage kicks in. Obviously, the higher the deductible, the less you pay for policy. Carefully consider the car deductible when buying a policy since a $1,000 deductible can often save you 40 percent or more.

Types of Auto Insurance: Comprehensive Coverage

The types of comprehensive coverage pays for damage done to your auto by bad weather, fire, theft, vandalism, hitting a deer, etc. A clunker is usually not worth covering with the comprehensive types of auto insurance if it is worth less than ten times the cost of the policy.

Types of Auto Insurance: Uninsured Motorist

What happens if an uninsured driver broadsides your auto? What happens if a hit and run driver rear-ends you? Uninsured motorist insurance will cover your injury bills and the bills of the passengers in your auto. This feature keeps you in control when other people are out of control.

Before you buy types of auto insurance policy, research the coverage options available plus your state's requirements. Our comparison service will match you with top rated types of automobile insurance companies that are licensed to sell car coverage in your state. You'll have many choices, but some may cost more than you want to pay which is why we recommend you compare atleast two providers at a minimum.


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