Standard Auto Insurance Policy

The most important type of coverage you as a responsible driver can carry is a standard auto insurance policy.Two keys things to remember when shopping around for quotes is your state's auto insurance laws and how much you can afford.

Liability coverage is probably the most important type of car insurance. This coverage is required by most state auto insurance laws. The cost of damage and injury that you can cause or are found "at fault" of in an accident is covered by liability car insurance. It consists of two separate policies. One being bodily injury, and property damage liabilities. You can assume that bodily injury insurance protects you from the cost associated with personal injury, and property damage protects you from the cost of damage to personal property.Generally, these refer to auto liability insurances. They are referred to as split limits. Your particular state requires a certain level of liability insurance for your auto.

You could be thinking you could save some money by skimping on your coverage, but, in the long run, it's almost worth spending a little more for that added protection. You may be tempted, but carrying more than your states minimum liability requirements will pay off especially if you are ever found at fault of a serious accident. Which brings us to collision insurance. Probably the most expensive of policies, but this actually covers your auto if you are found at fault in an accident. This component of auto insurance is not required, at least by the state. Most lien holders (banks, credit unions, etc.) that are holding your title until you pay off normally require you to have this coverage.

Comprehensive coverage is similar is similar to collision coverage, the main difference being this covers damages that were not caused by an accident per say, but instead unforeseen damages to your auto caused by natural disasters or an "act of god" such as floods, hurricanes, tornadoes,and even animals. Striking a deer with your auto can cause a lot of damage. Theft, vandalism, and fire would also be covered by your comprehensive coverage. Learn how to get the most out of your auto insurance by shopping around. Then you can get the best coverage for the least amount of money.

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