Accurate Car Insurance Quotes
To get the most accurate quote, it helps to review your car insurance policy for current coverages and deductibles. In most cases, we’ll give you multiple car insurance quotes with a variety of coverages and deductibles so you can pick the policy and limits that work for you. You can also edit the insurance quotes we provide to best meet your personal needs.
What You’ll Need
In addition to having your current policy handy as a reference, you’ll also need to provide driver information including vehicle history, and the make, year and model of each vehicle you want an car insurance quote for. You can get auto insurance quotes for up to 4 vehicles online.
Bodily Injury Liability
Provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you.
In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.
Bodily injury liability covers injury to people, not your vehicle. Therefore it’s a good idea to have the same level of coverage for all of your cars.
Personal Injury Protection (PIP)
PIP insurance refers to the Personal Injury Protection section of an auto insurance policy. It provides for the payment of medical treatment for the insured after an accident, and pays medical bills for the passengers in the insured’s vehicle, any pedestrians involved in an accident with the insured’s vehicle, and some members of the insured’s household who were injured in an auto accident.
PIP insurance covers medical bills at a minimum, but can also provide payments for make up for lost wages, payments for essential services, survivor benefits, and funeral expenses. The benefits you will receive after an accident depend on the limits of your insurance policy.
Uninsured/Underinsured Motorist Coverage
This coverage pays for your injuries caused by an uninsured or underinsured driver. For example, if you are involved in an accident with another driver who only has $5000 for property damage coverage, and it will cost $8000 to fix your vehicle, your underinsured motorist coverage will kick in for the rest.
Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance.