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We can provide you with quick, accurate auto insurance premium quotes at no cost. Before you request your free automobile insurance quote take some time to familiarize yourself with the basic types of auto insurance for which you may want to request a quote. You can request quotes for various types of and combinations of auto insurance coverage. Each type of auto insurance coverage protects you from a different kind of risk and each type of auto insurance has a separate premium component. Some types of auto insurance coverage are required by state laws others are optional.

You may choose to ask for a free quote for only the mandated auto insurance coverage or you may choose to ask for a quote for the mandated and some or all of the optional auto insurance coverage depending on your needs and your budget.

Types of Auto Insurance Required by Many States

Most states require licensed drivers to carry a mandated minimum amount of bodily injury and property damage liability auto insurance. This coverage protects others who may sustain bodily injury or damage to their car or property in an accident where you are determined to be at fault.

Other states have "financial responsibility laws." "Financial responsibility laws" require drivers to have proof of sufficient assets to pay for any property damage or bodily injury to others as a result of an accident the driver causes or proof of auto liability insurance covering these potential damages.

Driving without mandated insurance coverage or proof of financial responsibility can be an expensive decision. If you are stopped for a traffic violation or in an accident and cannot provide evidence of the mandated minimum liability insurance or proof of financial responsibility you will probably lose your driver's license and pay additional fines and penalties.

Bodily Injury Liability Insurance will pay for the medical or related expenses of anyone hurt or killed in an accident for which you or someone driving your car is determined to be at fault. Bodily Injury Liability Insurance also covers you and other drivers designated on your policy if while driving someone else's car you cause an accident. Most state laws require bodily injury insurance coverage if you are a licensed driver in the state. The minimum amount of coverage required varies state to state. Check your state laws to determine if your state has a required minimum bodily injury coverage.

The decision to purchase bodily injury insurance coverage in excess of the minimum will depend on what you can afford and what you determine is an adequate amount to protect your assets if an injured party sues you for injuries they sustained in an accident for which you are legally responsible. If you have a home and investments to protect you will definitely want sufficient liability insurance to protect those assets in the event of a law suit following an accident.

Property Damage Liability Insurance coverage pays any damages you or someone driving your car may cause to someone else's property when driving your car. The damages covered include damage to another car or to a building or other type of property damaged or destroyed in an accident by your car. State laws vary on the minimum property damage liability insurance you must carry. Before you request a free auto insurance quote, check on the minimum liability coverage required by the laws in the state where you are licensed to drive.

You may determine it is to your advantage to purchase coverage in excess of the minimum required to protect your assets in the event of a suit brought as a result of an accident.

Uninsured/underinsured Motorist Insurance coverage provides for your medical and other expenses if you are in an accident caused by a driver without auto insurance or with less coverage than required to cover your expenses. Some states mandate drivers to carry uninsured/underinsured motorist insurance. Typically the mandated policies are for medical expenses only. However, you can also choose to obtain collision insurance which will cover car repairs or a replacement car if needed as the result of an accident with an uninsured driver.

Optional Auto Insurance Coverage You May Want to Consider

Medical or Personal Injury Insurance provides for medical expenses for you or someone riding in your car when there is an accident regardless of fault. It may also cover lost wages or hiring someone to do what you are no longer able to do while recovering from the injury if you choose to purchase that type of coverage.

Many drivers' health insurance covers these types of expenses so check your health insurance policy to determine if you also need to include medical coverage as part of your auto insurance policy.

Collision Insurance coverage pays for damage to your car as a result of an accident. While not required by state law it may be required by the institution financing your car. If your car is financed Collision Insurance may be required by the institution financing your car.

If you are driving an older car which is paid for and the collision insurance premium is more for a year than the value of the car you may decide not to carry Collision Insurance. If you do not carry Collision Insurance you need to be comfortable that you have the resources to repair or replace the car without insurance coverage.

The other important consideration with Collision Insurance is the deductible. The higher the deductible the lower the premium will be.

Comprehensive Insurance coverage provides for the repair or replacement of your car if it is stolen or damaged by hail, fire, and flood or even running into a deer Comprehensive Insurance will also pay to replace your windshield if it cracks or breaks after being hit by a rock or stone. Comprehensive Insurance may be required by the institution which financed your auto purchase. Once again the higher the deductible you choose the lower the Comprehensive Insurance premiums will be.

Accurate Auto Insurance Quotes

To obtain the best auto insurance quotes be specific about the types of coverage you are seeking and the level of the deductibles you are willing to cover.