What Kind of Car Insurance is Right for Me?
There are seven different types of car insurance to choose from when looking to buy car insurance. Finding the right kind of car insurance for you may be very important to ensure you are properly covered, but also not paying for insurance you do not need.
For example, if you live in a tort state, where someone has to be found at fault in an accident, no-fault insurance may be unneeded. No-fault insurance is a kind of car insurance designed to cover the costs of an accident where no one is at fault, which may not happen in a tort state.
Other types of car insurance include liability insurance, collision insurance, and comprehensive insurance. These types of car insurance may cover specific areas of need. Liability insurance may be required by the state because it may provide coverage for other drivers and cars if you are found at fault for an accident. Collision insurance may cover the costs associated with an accident for your own property and medical expenses. Of all the types of car insurance, comprehensive insurance may cover the widest range of incidents other than accidents, like trees falling on or vandalism to a vehicle. For more information on these and other types of car insurance, go to: from no fault to comprehensive insurance: learn the difference between the most common types of car insurance.
Among the other types of car insurance, uninsured motorist protection and personal injury protection may protect you financially if you are in an accident with a driver who does not have insurance, or if you live in a state that does not require personal injury liability insurance. Another type of insurance you may or may not need is gap insurance. If your car is totaled in an accident, gap insurance may cover the difference between what the car is valued at and what you still owe on the car. If you do not still owe money on your car or if the car is valued at more than you owe, you may not need gap insurance.
For more information on finding the right car insurance, read: how to find car insurance. To get a free quote for insurance, fill out the simple form at this page.