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Your Info

Please take a couple of minutes to share some details about yourself and your vehicle. Based on the information you provide, we’ll connect you with insurance providers that are suitable for your needs.

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Your Quotes

Evaluate and compare the quotes offered by the auto insurance providers you have been matched with to find the one that best suits your requirements and financial plan.
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Your Agent

Once you have obtained the quotes that can help you maximize your savings, you can connect with licensed agents through phone or online communication to make a final decision on your insurance policy.

What coverage is required?

Auto insurance policy is mandatory in most states before you hit the road. It safeguards your vehicle against damages and you from personal liability.

Nonetheless, some drivers lack a clear understanding of the workings of auto insurance, which may lead to either being underinsured or overinsured, resulting in paying exorbitant amounts for an insurance policy.

A car insurance policy is essential and comprises various coverage options to provide protection to you and your vehicle in the event of a collision.

In most jurisdictions, if you do not possess an up-to-date insurance policy and get involved in an accident, you will not receive any financial compensation for the damages or injuries incurred. Furthermore, you may face legal action, summons to court, or even suspension of your driver’s license.

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Which type of car insurance is necessary for me?

The type and extent of car insurance coverage required varies from state to state. Most states mandate a liability policy that covers you against third-party expenses, including medical and vehicle repair costs, incurred as a result of an accident.

A liability policy only pays out up to the limit indicated on your policy, and any additional expenses are your responsibility. The limit is typically expressed in a three-number format such as “80/250/50,” which denotes the amount your insurer will pay and is divided as follows:

  • $80,000 for each injured person
  • $250,000 for total injuries per accident
  • $50,000 for total property damage per accident

Liability insurance does not cover the cost of repairing your vehicle or the expenses of treating your injuries or those of your passengers.

What are the other options for car insurance coverage?

Apart from liability coverage, there are several other types of car insurance that you can add to your policy:

  • Comprehensive insurance: This protects you against damages resulting from natural disasters, theft, vandalism, and other uncontrollable factors.
  • Medical coverage: This covers your hospital expenses and those of your passengers in the event of an accident.
  • Personal injury protection: This is an extension of medical coverage that compensates you for additional issues such as lost income due to an accident.
  • Collision coverage: This safeguards you against damages to your vehicle following an accident. If you are financing a car, most lenders require you to have this type of insurance.

Car insurance is not only a legal requirement but also necessary to protect your vehicle.

How to choose?

When it comes to buying car insurance, there’s a golden rule you should follow: never settle for the first plan you come across. With some research and comparing quotes from different providers, you may end up saving a significant amount of money.

Comparing quotes from various companies can give you a better understanding of industry standards. While it may seem that all insurance providers offer similar quotes initially, a closer look will likely reveal opportunities to save money.

Insurance quotes are determined by various factors, such as your location, age, driving history, and the type of car you own. These calculations are often complex and involve intricate formulas. Due to these variables, quotes from different companies can vary significantly. Certain factors carry different weights of importance for different providers.

Additional steps you can take:

Did you know that there are multiple ways to lower the cost of your insurance premium?

You can opt to increase your deductible, which can significantly reduce your premium. However, some insurance companies may not allow you to adjust your deductible. That’s why it’s important to compare quotes from different providers before making a decision.

Some companies may offer discounts based on your driving record, so if you have a clean driving history over several years, you may be eligible for lower premiums.

By researching the market before committing to a plan, you increase your chances of securing a real STAR deal.

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