Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

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Car insurance may seem just like another mandatory bill but it’s much more than an obligation. Part of owning a vehicle is being a responsible driver and car insurance is a necessary financial tool to protect you and your family from the financial expense of a car accident. Whether that means having insurance to pay for car repairs, lost wages or a life saving surgery car insurance is the most important financial instrument you can have when operating a vehicle. The downside is it’s just not that exciting to buy and most drivers never really spend much time learning how it works.

Start a Car Insurance Comparison Search

Do you know the difference between collision and comprehensive car insurance? How much policy coverage do you need? Will liability insurance cover damages to your vehicle?

Advertisement are everywhere promoting how to save money by switching car insurance companies but can you really save money by switching providers? The answer is yes, as long as you understand what policy coverage to purchase. Buying car insurance is much more than just comparing car insurance quotes however. You need to compare policy deductibles, policy limits, types of coverage and more when selecting a car insurance company and while you may save $500 with company B they may actually be offering much less coverage than company A.

How do I compare car insurance quotes?

The first step is to evaluate your current coverage before you embark on a car insurance comparison search. Once you know the details of your own policy including how much your deductible is, what type of insurance you have and how much coverage is in place then you can evaluate this to see if it’s what you need. For most drivers the current coverage is often suitable but never assume you have the best coverage in place. Often its only when people think about switching car insurance companies to do they find out they are uninsured.

For new drivers its important not to focus simply on the cost of car insurance but learn how car insurance works before even walking in to a car dealership. Car insurance for young drivers is expensive and can often cost more than the car loan payment so you need to understand not only how car insurance works but also the true monthly cost of owning a vehicle.

Once you have defined what type of car insurance policy you need then it’s time to start a car insurance comparison search and compare car insurance quotes. However its critical you review any potential quotes by more than just the cost of car insurance and make sure every car insurance company is quoting you based on the same details of coverage.

What type of car insurance should I buy?

Most drivers obtain some combination of liability, collision and comprehensive coverage but this all depends on your budget and needs. Liability insurance is required by all states and some even require personal injury protection and uninsured motorist coverage however no matter what type of car you own its important to understand the limitations of liability insurance and consider at least some form of other insurance in addition to state minimum car insurance requirements.

Does car insurance cover any and all injuries in a car accident?

No. This depends on a few things including the type of car insurance you have, your policy limits and who was at fault in a car accident. Liability insurance for example, only pays for injuries and damages for other parties if the accident was in your fault. This is one of the biggest reasons you need to learn about car insurance as there are no mandatory requirements to obtain car insurance to cover injuries to you or your vehicle.

There is also the question of how much car insurance you have. While many car insurance policies are sufficient to cover minor damages in a car accident what if you need surgery or the vehicle is considered a total loss. It’s important to have high enough limits of coverage so you are fully covered in a car accident otherwise injured parties can personally sue you for the expenses beyond your policy limits and you may be denied the healthcare you need due to a lack of insurance.

Who has the best car insurance rates?

Almost all car insurance companies randomly survey people and claim different titles about how much you can save on car insurance however until you do a car insurance comparison search there is no winner of the best car insurance company award. There are many car insurance companies who offer similar coverage and premiums with superior customer service so most drivers will have many choices as for which provider to use. Car insurance comparison helps you compare the details and cost of car insurance from many of these companies allowing you to compare car insurance quotes and ultimately choose the best provider for your situation.