Get Complete Car Insurance Coverage this 2020
Worry Less and Feel More Secured

Acquiring auto insurance with reasonable price points and coverage does not need to be complicated.
Review, compare and pick from the best car Insurance providers to fit your specific needs; including roadside assistance, acts of god and more.

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Aren’t Car Insurance Companies the Same?

In essence all car insurance companies offer more or less the same. But that does not mean they are equal. Although the offers may be the same, there are specific considerations to factor-in.


The key difference would be the ratio of coverage normally based by state (and of course, by preference). This difference also translates directly to pricing or rates offered. The different charges for the policies that each auto insurance provider caters specifically to what an automobile owner requires as well as the likelihood of occurrences covered by a policy.

What Are Auto Insurance Premiums?

Basically, an auto insurance premium is the regular amount paid to an insurance company by the policy holder.


This premium ensures that your chosen auto insurance company will pay for any items covered by your policy, for example, third party liability, collision, acts of god, etc.

And What About Deductibles?

A deductible on the other hand, is the amount of money you have to pay before an insurance policy takes over. Think of it as a “Participation Fee” wherein you have to pay-out a specific (often smaller) amount.


To clarify further, please check on the following example:


If the set deductible is $100 and an accident occurs that requires repairs amounting to $1100, you, as the policy holder will have to pay $100 and the insurance company will cover the remaining $1000.

What Coverage Do I Need?

The coverage you get depends on your preference. A bit of research often helps in picking what should be covered. Factor in your auto activities like whether you travel a lot or if the vehicle is just for short trips/errands. Another consideration is location, do you live in a place that floods a lot or has a high rate of auto-related incidents. Also consider whether the vehicle is mostly for personal, work or family use; this can help you decide if you’d like to throw in medical coverage as part of your policy.

What Are My Options?

Insurance packages are a common offer, normally falling within three (3) categories: Basic, Extended and Premium Auto Insurance Coverage.

  • Basic Coverage

This offers the most important or standard insurance. It is comprised of Collision, Liability and Comprehensive coverage. Collision coverage handles accidents regardless of who is at fault. If you get into a fender-bender with another motorist, hit a post while backing-up from the driveway or perhaps open the door and it gets hit by on-coming traffic. That’s what Collision will cover, whether the car is for repairs or even replacement. Liability on the other hand covers third-party costs, it is applicable when you are at fault. It may not cover your own expenses and your car, but it guarantees that the third-party is taken cared of. Lastly, Comprehensive coverage is for non-collision related incidents. Natural disasters, a tree branch falling on your car, theft, fire, etc.

  • Extended Coverage

These are add-on coverages that enhance your insurance policy. Options include coverage for Medical Expenses and/or Personal Injury; Incidents involving motorists who are Uninsured (no insurance) or the Underinsured (not enough insurance).


Extended coverage can even take care of vehicles acquired through a loan/financing. This is called GAP insurance (Guaranteed Auto Protection). With the understanding that a vehicle loses around 25% of its value once it is driven out of the dealership, your auto insurance will only cover this value – leaving you with the remaining percentage to pay on your own. This add-on works to cover that price “gap” by not only factoring in the lower market value, but also the remaining balance to be paid on the vehicle loan.

  • Premium Coverage

This coverage is for the most cautious type of car owner. This covers everything under the sun, whether you require coverage for road-side assistance, mechanical breakdowns, aftermarket/custom equipment, original equipment manufacturer (OEM) endorsements, glass repair/replacement and more.


The concept of premium insurance is based on what can only be called as “ready-for-anything” insurance.

What are the State Requirements?

Different states enforce and require different coverages. Each State has set a “Minimum Insurance Requirement”. Of course, it does not cost much to go above the minimum insurance requirement to make sure you’re properly (and safely) covered.


GUIDE: The numbers presented in the table below follow the XX/XX/XX format.


1st XX is for Bodily Injury Limit on a Per Individual Basis 2nd XX is for Bodily Injury Limit on a Per Accident Basis 3rd XX is for Property Damage Limit


So numbers like 15/25/10 mean – per individual Bodily Injury Limit is $15,000, per accident Bodily Injury Limit is $25,000 and the Property Damage Limit is $10,000.


Here are the State Minimum Insurance Requirements (see Table):


NOTE: State Requirements Taken from

https://en.wikipedia.org/wiki/Vehicle_insurance_in_the_United_States#Requirements_by_state


State Minimum Insurance
Requirements
State Minimum Insurance
Requirements
Alabama 25/50/25Montana 25/50/10
Alaska 50/100/25Nebraska 25/50/25
Arizona 15/30/10Nevada 25/50/20
Arkansas 25/50/15New Hampshire N/A (Personal
Responsibility Only)
California 15/30/5New Jersey 0/0/5
Colorado 25/50/15New Mexico 25/50/10
Connecticut 25/50/25New York 25/50/10
District of Columbia 10/25/5North Carolina 30/60/25
Delaware 15/30/5North Dakota 25/50/25
Florida 0/0/10Ohio 20/50/25
Georgia 25/50/25Oklahoma 25/50/25
Hawaii 20/40/10Oregon 25/50/20
Idaho 25/50/15Pennsylvania 15/30/5
Ilinois 20/40/15Rhode Island 25/50/25
Indiana 25/50/25South Carolina 25/50/25
Lowa 20/40/15South Dakota 25/50/25
Kansas 25/50/10Tennessee 25/50/10
Kentucky 25/50/25Texas 30/60/25
Louisiana 15/30/25Utah 25/65/15
Maine 50/100/25Vermont 25/50/10
Maryland 30/60/15Virginia 25/50/20
Massachusetts 20/40/5Washington 25/50/10
Michigan 20/40/10West Virginia 20/40/10
Minnesota 30/60/10Wisconsin 25/50/10
Mississippi 25/50/25Wyoming 25/50/20
Missouri 25/50/10

How Do I Choose the Best Car Insurance Company?

The best car insurance company depends on your needs.


Of course for the conscientious and budget-minded, the best option will always be to look for the company that offers the most competitive rates per policy or coverage. That includes any bonus offers that sometimes comes with closing a deal and acquiring a policy.


Companies with easy to access websites, an open hotline and a wider network is a definite plus.


To make a decisions, always be properly informed, do some research or do a consultation.

Get Complete Car Insurance Coverage this 2020
Worry Less and Feel More Secured

Acquiring auto insurance with reasonable price points and coverage does not need to be complicated.
Review, compare and pick from the best car Insurance providers to fit your specific needs; including roadside assistance, acts of god and more.

1
Our Top Provider

State Farm

  • Coverage on all types of motor vehicles
  • 1/6 policies in the U.S are StateFarm
  • Wide variety of available discounts
  • Best in-class Roadside Assistance
3

Allstate

  • Top-rated for claims satisfaction
  • Dedicated customer support agent
  • Full range of Insurance products
  • Top in-class Accident Forgiveness
4

Liberty Mutual

  • Comprehensive coverage options
  • Online, Digital, Express Claims process
  • Best in-class Good Driver discounts
  • Customized coverage
5

USAA

  • Available only to active, past, and affiliated military personnel
  • Best insurance option in 2019, according to J.D Power
  • Highest Customer rating score since 2015 (according to Temkin Group)
  • Flexible payment options
  • Wide variety of bundle and regular discounts
Aren’t Car Insurance Companies the Same?

In essence all car insurance companies offer more or less the same. But that does not mean they are equal. Although the offers may be the same, there are specific considerations to factor-in.

The key difference would be the ratio of coverage normally based by state (and of course, by preference). This difference also translates directly to pricing or rates offered. The different charges for the policies that each auto insurance provider caters specifically to what an automobile owner requires as well as the likelihood of occurrences covered by a policy.

What Are Auto Insurance Premiums?

Basically, an auto insurance premium is the regular amount paid to an insurance company by the policy holder.

This premium ensures that your chosen auto insurance company will pay for any items covered by your policy, for example, third party liability, collision, acts of god, etc.

And What About Deductibles?

A deductible on the other hand, is the amount of money you have to pay before an insurance policy takes over. Think of it as a “Participation Fee” wherein you have to pay-out a specific (often smaller) amount.

To clarify further, please check on the following example:

If the set deductible is $100 and an accident occurs that requires repairs amounting to $1100, you, as the policy holder will have to pay $100 and the insurance company will cover the remaining $1000.

What Coverage Do I Need?

A deductible on the other hand, is the amount of money you have to pay before an insurance policy takes over. Think of it as a “Participation Fee” wherein you have to pay-out a specific (often smaller) amount.

To clarify further, please check on the following example:

If the set deductible is $100 and an accident occurs that requires repairs amounting to $1100, you, as the policy holder will have to pay $100 and the insurance company will cover the remaining $1000.

What Coverage Do I Need?

The coverage you get depends on your preference. A bit of research often helps in picking what should be covered. Factor in your auto activities like whether you travel a lot or if the vehicle is just for short trips/errands. Another consideration is location, do you live in a place that floods a lot or has a high rate of auto-related incidents. Also consider whether the vehicle is mostly for personal, work or family use; this can help you decide if you’d like to throw in medical coverage as part of your policy.

What Are My Options?

Insurance packages are a common offer, normally falling within three (3) categories: Basic, Extended and Premium Auto Insurance Coverage.

  • Basic Coverage

This offers the most important or standard insurance. It is comprised of Collision, Liability and Comprehensive coverage. Collision coverage handles accidents regardless of who is at fault. If you get into a fender-bender with another motorist, hit a post while backing-up from the driveway or perhaps open the door and it gets hit by on-coming traffic. That’s what Collision will cover, whether the car is for repairs or even replacement. Liability on the other hand covers third-party costs, it is applicable when you are at fault. It may not cover your own expenses and your car, but it guarantees that the third-party is taken cared of. Lastly, Comprehensive coverage is for non-collision related incidents. Natural disasters, a tree branch falling on your car, theft, fire, etc.

  • Extended Coverage

These are add-on coverages that enhance your insurance policy. Options include coverage for Medical Expenses and/or Personal Injury; Incidents involving motorists who are Uninsured (no insurance) or the Underinsured (not enough insurance).

Extended coverage can even take care of vehicles acquired through a loan/financing. This is called GAP insurance (Guaranteed Auto Protection). With the understanding that a vehicle loses around 25% of its value once it is driven out of the dealership, your auto insurance will only cover this value – leaving you with the remaining percentage to pay on your own. This add-on works to cover that price “gap” by not only factoring in the lower market value, but also the remaining balance to be paid on the vehicle loan.

  • Premium Coverage

This coverage is for the most cautious type of car owner. This covers everything under the sun, whether you require coverage for road-side assistance, mechanical breakdowns, aftermarket/custom equipment, original equipment manufacturer (OEM) endorsements, glass repair/replacement and more.

The concept of premium insurance is based on what can only be called as “ready-for-anything” insurance.

What are the State Requirements?

Different states enforce and require different coverages. Each State has set a “Minimum Insurance Requirement”. Of course, it does not cost much to go above the minimum insurance requirement to make sure you’re properly (and safely) covered.

GUIDE: The numbers presented in the table below follow the XX/XX/XX format.

1st XX is for Bodily Injury Limit on a Per Individual Basis 2nd XX is for Bodily Injury Limit on a Per Accident Basis 3rd XX is for Property Damage Limit

So numbers like 15/25/10 mean – per individual Bodily Injury Limit is $15,000, per accident Bodily Injury Limit is $25,000 and the Property Damage Limit is $10,000.

Here are the State Minimum Insurance Requirements (see Table):

NOTE: State Requirements Taken from

https://en.wikipedia.org/


State Minimum Insurance
Requirements
State Minimum Insurance
Requirements
Alabama 25/50/25Montana 25/50/10
Alaska 50/100/25Nebraska 25/50/25
Arizona 15/30/10Nevada 25/50/20
Arkansas 25/50/15New Hampshire N/A (Personal
Responsibility Only)
California 15/30/5New Jersey 0/0/5
Colorado 25/50/15New Mexico 25/50/10
Connecticut 25/50/25New York 25/50/10
District of Columbia 10/25/5North Carolina 30/60/25
Delaware 15/30/5North Dakota 25/50/25
Florida 0/0/10Ohio 20/50/25
Georgia 25/50/25Oklahoma 25/50/25
Hawaii 20/40/10Oregon 25/50/20
Idaho 25/50/15Pennsylvania 15/30/5
Ilinois 20/40/15Rhode Island 25/50/25
Indiana 25/50/25South Carolina 25/50/25
Lowa 20/40/15South Dakota 25/50/25
Kansas 25/50/10Tennessee 25/50/10
Kentucky 25/50/25Texas 30/60/25
Louisiana 15/30/25Utah 25/65/15
Maine 50/100/25Vermont 25/50/10
Maryland 30/60/15Virginia 25/50/20
Massachusetts 20/40/5Washington 25/50/10
Michigan 20/40/10West Virginia 20/40/10
Minnesota 30/60/10Wisconsin 25/50/10
Mississippi 25/50/25Wyoming 25/50/20
Missouri 25/50/10
How Do I Choose the Best Car Insurance Company?

The best car insurance company depends on your needs.

Of course for the conscientious and budget-minded, the best option will always be to look for the company that offers the most competitive rates per policy or coverage. That includes any bonus offers that sometimes comes with closing a deal and acquiring a policy.

Companies with easy to access websites, an open hotline and a wider network is a definite plus.

To make a decisions, always be properly informed, do some research or do a consultation.