As car insurance

If you drive a car, you need auto insurance. Every state requires that you purchase at least a minimal amount of liability coverage, in order to ensure that, if you damage someone else’s property while operating your car, some of that is at least taken care of.

Unfortunately, young drivers pay more for car insurance because you have limited driving experience. Although car insurance rates are highest for teenagers, young adult drivers often pay more for insurance until they are 25 or 26—or even up to 30. The only way to know which insurance companies are best for young adults is to compare competing quotes from a handful of auto insurance companies—every car insurance company prices their policies differently.

Also, the right auto insurance policy for you depends on a number of factors other than price—from how much coverage you want/need to what’s available in your state.

Let’s take a look at the best car insurance for young adults:

Liberty Mutual
Liberty Mutual has some of the best agents and customer service in the industry and was voted 2nd for customer satisfaction in a 2012 study by J.D. Powers. Although agents typically parter with community organizations and employers to sell policies, anybody can get a quote and a policy from Liberty Mutual. Two features in particular make them a company to put at the top of your list for consideration:

Accident forgiveness, which means your rates won’t go up after one claim.
New car replacement: If you purchase a brand new car and are in a crash within the first year, most insurance policies will only pay out the depreciated value of the car which can be thousands less than you just paid for the car. New car replacement with Liberty Mutual ensures that you’ll get enough money to buy the same new car again.
Get a Liberty Mutual car insurance quote here

Metromile

Do you drive less than 10,000 miles per year? If so, you might save the most by switching to a pay-per-mile auto insurance policy like those offered by insurer Metromile.

Now available in California, Illinois, New Jersey, Oregon, and Washington, Metromile estimates occasional drivers could save between $400 and $500 with pay-per-mile insurance. If you mix up driving with walking, biking and/or public transportation, give Metromile a look, or read more in our complete Metromile review.

Summer is just around the corner, and that means more time spent outdoors enjoying recreational vehicles like campers, ATVs and motorcycles. But before you start making summer plans, be sure you have the right type of insurance coverage for your needs. Keep reading to learn which types of vehicles are insured under your auto insurance in Edmonton, which ones aren’t, and the various types of coverage options designed to give you the most protection.

Your coverage options
Certain types of recreational vehicles, like small campers, can either be included under your home or auto insurance or alternatively insured on their own. Your auto insurance can provide coverage for recreational vehicles like:

ATVs
Motorcycles
Motorhomes
Truck campers
Insurance coverage for recreational vehicles
If you’re comparing insurance quotes in Edmonton, there are a number of different options for protection you should be on the lookout for if you choose to insure your motorcycle, ATV or other type of recreational vehicle under your auto insurance policy.

These options include:

Third-party liability coverage
Third-party liability covers you in the event that you cause an accident or damage someone else’s property. Provincial law stipulates that you must have a minimum of $200,000 in third party liability, but many people opt for at least $1 million dollars in coverage for added protection.
Collision or upset coverage
Collision coverage is an optional type of coverage that helps cover the cost of repairs to your recreational vehicle in the event of an accident.
Comprehensive coverage
This type of coverage is essential when storing your recreational vehicle, and protects you against damages caused by vandalism, theft, extreme weather or natural disasters.
Accident benefits coverage
Like third-party liability coverage, accident benefits coverage is legally required in the province of Alberta. This protects you as well as your passengers in the event of an accident.
Uninsured automobile coverage
This type of coverage protects you if you are involved in a collision with a vehicle that is uninsured, or if you are the victim of a hit and run.
Family protection coverage
This type of coverage gives you added protection if you and your family members are in an accident that was not your fault, and the at-fault driver doesn’t have adequate insurance coverage to provide the compensation you need.