Free Online Car Insurance Quotes

An auto insurance policy consists of four types of coverage. The most important of which is liability, that covers accidents caused by you. The other driver's injuries as well as your legal bills if sued, are paid for by bodily liability. With the high costs for medical treatment and legal fees, it's a good idea to have at least $100,000 per person protection. Property liability pays for the other driver's car or any other property you damage. And when you get your free online car insurance quotes, it's suggested you ask for a minimum of $50,000 property coverage.

The second type of insurance coverage is for medical expenses when you or your passengers are injured. If you have a health or medical plan, it may already supply this type of protection. If so, you can carry just the state required minimum. If there's no state requirement, you still may want to have some included with your free online car insurance quotes as protection for your passengers.

Coverage for accidents that are caused by uninsured or underinsured drivers is the third type of protection. To pay for your bills when the other driver's insurance falls short, it's reasonable to ask for $50,000 coverage when getting your free online car insurance quotes.

The fourth type of coverage can usually give you the most savings for your free online car insurance quotes. Collision and comprehensive pay for repairing or replacing your car. By having a deductible of at least $500, you will save significantly.