Online Auto Insurance Quotes

Before getting your online auto insurance quotes, it helps to go over the four parts of an auto insurance policy to understand where your protection needs are. The most important protection in an auto policy is bodily and property liability. If you're at fault in an accident, bodily liability handles the medical expenses for the other driver's injuries as well as your legal costs if you're sued. His car or any other property you damage is covered by property liability. To be adequately protected, you should get property coverage of at least $50,000 and for bodily liability, at least $100,000 per person.

Another part of an auto insurance policy covers the injury related medical bills for you and your passengers. If you already have complete health insurance, this may be duplicate coverage. If the coverage isn't required by your state, you can either exclude it when you get your online auto insurance quotes, or keep a small amount for your passengers' protection.

Uninsured or underinsured driver protection will pay your expenses if the insurance of the driver who causes an accident doesn't cover your bills. The recommended amount of this coverage for your online auto insurance quotes, is at least $50,000.

For damage to your car there's collision and comprehensive coverage. The deductible is a big part of the price you pay for this protection. Since major accidents are relatively infrequent, you'll come out ahead if you have a $500 or $1000 deductible. And if your car is old and worth little, consider eliminating the coverage from your online auto insurance quotes.