Auto Insurance Rates Comparison

Auto insurance consists of four parts with each providing a different type of protection. Depending on your needs and state law, you may make your auto insurance rates comparison on one part or on all four.

The liability part of auto insurance pays the bills for the other driver in an accident that you caused. Experts recommend that when you conduct your auto insurance rates comparison, you get at least $100,000 in coverage for bodily liability and at least $50,000 for property. Liability coverage will also pay your lawyer fees if you're sued by the other driver.

The second part of auto insurance pays medical-related payments for you and your passengers. As well as medical expenses, it may also pay for in-home care, lost wages and even funeral costs. To decide on the coverage to ask for when making your auto insurance rates comparison, you'll need to consider any other medical plan you have that already provides similar protection.

If you're in an accident caused by an uninsured or underinsured driver, the third part of auto insurance can pay your bills not paid for by the other driver. Your auto insurance rates comparison for this part can be for an amount similar to your liability coverage.

The fourth part of an auto insurance policy covers damage to your car in either an accident(collision) or some another cause(comprehensive) including theft. The coverage you require for this part with your auto insurance rates comparison depends on the size of the deductible and the total value of your car.