Auto Insurance Rate Quotes

To guard against having an accident caused by a driver without sufficient insurance, you can get uninsured or underinsured driver coverage. This handles your expenses that don't get paid by the other driver's insurance. When getting auto insurance rate quotes, it's recommended you have at least $50,000 of this coverage.

Bodily liability pays for the medical costs of those you injure in an accident. It also will fund your legal defense if you're sued. Property liability deals with the repair or replacement of any property you damage. Adequate bodily liability starts at $100,000 per person and should be more if your net worth is $300,000 or greater. For property liability, usually $50,000 is a sufficient amount to request for your auto insurance rate quotes.

The repair or replacement of your car after an accident is covered by collision insurance. And if your car is damaged or lost through any other way, it can be handled with comprehensive coverage. The auto insurance rate quotes you get for this type of protection are mainly determined by the size of your deductible. And despite your higher out-of-pocket cost in an accident, a deductible of $500 or more will save you money in the long run compared to the minimum.

The medical part of an auto insurance policy pays for the care of the injuries that you and your passengers sustain in an accident. Since most health plans provide similar coverage, you may want to exclude this protection from your auto insurance rate quotes. In some states, medical coverage is required, but even if it's not, you may want to carry at least some protection to provide for your passengers.