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Car Insurance Quotes with SelectQuote
In its simplest form, car insurance is financial protection in the case you get in an accident or your car is damaged or destroyed, but comparing coverage and rates from multiple carriers can be overwhelming and time consuming.
At SelectQuote, we combine our years of experience with your specific needs to provide you with car insurance quotes from some of the most trusted companies in the nation in just minutes. We can also answer any questions you have, match you with the right auto insurance company for your needs, and find opportunities to try and save you money.
Types of Auto Insurance Coverage
It’s important to understand the types of car insurance coverage available to you. There are six basic types of auto insurance coverage:
| Type of Auto Insurance Coverage | What This Coverage Protects... |
|---|---|
| Bodily Injury Liability | If you are at fault in an auto accident, your insurance provider should cover medical, rehabilitation and funeral expenses sustained by all injured passengers, including those not in your car. This plan will also pay your legal and settlement fees if a lawsuit occurs as the result of an accident that you caused. |
| Property Damage Liability | Like bodily injury liability, this type of coverage kicks in when you’re at fault for a car accident. Property damage liability covers parts and labor for car repairs, property inside the other party’s vehicle, and any items you may have hit. While this plan will also pay certain legal expenses, it does not cover damages to your own vehicle or property. |
| Personal Injury Protection | Regardless of who is at fault in an auto accident, personal injury protection (PIP) covers most medical expenses—including hospital, rehabilitation and in-home assistance costs—along with lost wages and funeral expenses incurred by you and your passengers. Certain states require PIP in addition to other types of coverage. |
| Uninsured/Underinsured Motorist Protection | If you are hit by a driver with either no or inadequate coverage, uninsured/underinsured motorist protection pays for the medical expenses, rehabilitation and funeral costs incurred by you and any other passengers in your vehicle. It also pays for the settlement of any lawsuits caused by an uninsured, underinsured or hit-and-run driver. Some states require this type of coverage, others consider it optional. |
| Collision | If you are at fault in a car accident, collision coverage pays for any damages to your vehicle, up to and including your vehicle’s cost. |
| Comprehensive | Oftentimes, people ask, “what does comprehensive car insurance cover?”. Simply put, a comprehensive plan covers damage to your car from an event that’s out of your control, such as a natural disaster, theft, vandalism, or other unpredictable events. |
Types of Auto Insurance Coverage
Bodily Injury Liability
What This Coverage Protects…
If you are at fault in an auto accident, your insurance provider should cover medical, rehabilitation and funeral expenses sustained by all injured passengers, including those not in your car. This plan will also pay your legal and settlement fees if a lawsuit occurs as the result of an accident that you caused.
Property Damage Liability
What This Coverage Protects…
Like bodily injury liability, this type of coverage kicks in when you’re at fault for a car accident. Property damage liability covers parts and labor for car repairs, property inside the other party’s vehicle, and any items you may have hit. While this plan will also pay certain legal expenses, it does not cover damages to your own vehicle or property.
Personal Injury Protection
What This Coverage Protects…
Regardless of who is at fault in an auto accident, personal injury protection (PIP) covers most medical expenses—including hospital, rehabilitation and in-home assistance costs—along with lost wages and funeral expenses incurred by you and your passengers. Certain states require PIP in addition to other types of coverage.
Uninsured/Underinsured Motorist Protection
What This Coverage Protects…
If you are hit by a driver with either no or inadequate coverage, uninsured/underinsured motorist protection pays for the medical expenses, rehabilitation and funeral costs incurred by you and any other passengers in your vehicle. It also pays for the settlement of any lawsuits caused by an uninsured, underinsured or hit-and-run driver. Some states require this type of coverage, others consider it optional.
Collision
What This Coverage Protects…
If you are at fault in a car accident, collision coverage pays for any damages to your vehicle, up to and including your vehicle’s cost.
Comprehensive
What This Coverage Protects…
Oftentimes, people ask, “what does comprehensive car insurance cover?”. Simply put, a comprehensive plan covers damage to your car from an event that’s out of your control, such as a natural disaster, theft, vandalism, or other unpredictable events.
What Auto Insurance Doesn’t Cover
If you don’t have comprehensive coverage, your auto insurance policy won’t cover losses if your car is stolen or damaged by something other than a collision. This could include:
Theft
Fire
Vandalism
Severe weather events (windstorm, hail, flood, etc.)
Animal impact
Additional Coverage Options to Consider
To make sure your assets are covered in the case of an accident, it’s important to insure all of your properties and modes of transportation with additional coverage options:
- Umbrella Insurance
- Flood Insurance
- Insurance for condos
- Renters insurance
- Motorcycle Insurance
- ATV Insurance
- Boat Insurance
- Earthquake Insurance
Umbrella Insurance
Flood Insurance
Insurance for condos
Renters insurance
Motorcycle Insurance
ATV Insurance
Boat Insurance
Earthquake InsuranceHow to Buy Car Insurance
Evaluate which type of coverage(s) will best protect you and your vehicle. Working with SelectQuote will help ensure that you are getting the coverage you need to protect what matters most.
Your deductible is the amount you pay before any claim is covered. Choosing a lower or higher deductible amount depends on your situation, but SelectQuote can help decide which one is best for your needs.
Instead of shopping rates from dozens of carriers by yourself, SelectQuote can shop highly-rated carriers in just minutes.** This can save you time, money, and stress when it comes to securing an affordable auto insurance policy.
Compare Free Car Insurance Quotes Online Today
When you’re looking to purchase auto insurance, it’s important to find the best coverage for you. At SelectQuote, we can provide auto insurance quotes in just minutes and help you determine what policy is right for your situation.
How much does car insurance cost?
The cost of car insurance depends on a number of factors. Car insurance rates can be based on your zip code, driving record, age, marital status, credit score, choice of ride, how much coverage you decide to buy and more.
Car Insurance Requirements by State
Car insurance is a conglomeration of many different policies.* Every state has its own requirements for the policies you need to hold. Some states require you to carry liability insurance, others add on personal injury protection and underinsured/uninsured motorist coverage.
Check out your state’s car insurance requirements to learn more.
Auto Insurance FAQs
How much auto insurance do I need?
While most states require some level of car insurance, it’s good to double check that the minimum is enough. Accidents can happen in the blink of an eye, and you want to know that you, your family and your assets are protected. We can help you determine how much insurance you need based on your situation and then help you find the best policy for you at a price that fits your budget.
Is it easy to cancel my auto insurance?
Cancelling your auto is usually a quick process that requires a call to your insurer directly.
Does auto insurance cover theft?
Comprehensive coverage will usually cover theft of a vehicle, as well as repair costs from break-in damages. Liability insurance likely won’t cover theft, as it usually protects against bodily injury and property damage resulting from an accident.
How to switch auto insurance:
If you have decided to switch to another auto insurance carrier, you’ll want to start by contacting your current carrier and find out how you can cancel and request a policy end date in writing.
How will buying auto insurance help you?
Auto insurance is often required by the state you live in. It not only protects your vehicle but the passengers in it as well.
Learn More About Auto Insurance with SelectQuote
Navigating all the options, prices and fine print can be overwhelming, often bringing up more questions than answers. At SelectQuote, we simplify the process, allowing you to compare prices and coverage from some of the most trusted auto insurance carriers. We will make sure all your questions are answered and concerns are kept at bay.
See Our Customer Reviews with SelectQuote
Still have questions? SelectQuote can help.
At SelectQuote, we’ve made the process of finding car insurance easy. We’ll ask you for more information about your car and get to know more about your needs, ensuring we’re looking for the kind of auto insurance coverage that’s right for you.Call now at 855-226-2992.
