Almost every state legally requires drivers to have car insurance before registering a vehicle, but this does not mean that purchasing coverage is something you should take lightly. Car insurance policies should be discussed and reviewed with your insurance agent. Although you may practice safe driving, you cannot account for everyone else on the road.
Auto insurance policies usually provide these basic coverage options:
- Medical Payments/Personal Injury Protection
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
It is almost impossible to affordably own a vehicle without car insurance. No one is invincible and accidents and damages can be very costly. It is important to make sure you have adequate coverage that not only fits your lifestyle, but also your wallet. At the very least, most states require that you carry auto liability coverage, but it’s important for your own benefit to have a policy that has much more. Please contact State No-Fault Insurance Agency today and fill out our auto insurance quote form.
What you need to get a quote
Different sites ask for different details, but pretty much anyone offering instant car insurance quotes online will need to know where you live and what kind of car you drive to give you even an idea of what you can get. That’s because states have widely varying rules about how auto insurance works and what it must cover, risks change by location and certain cars cost more to insure or even require special policies.
To get beyond general numbers you’ll also have to give your age, marital status and how much you drive and why (commuting, business or pleasure). Sites may also ask for details about your driving record, your credit history and your current insurance. Insurance company underwriters have determined they can estimate risk based on all of these factors.
If you’re ready to look for instant car insurance quotes online, check out NerdWallet’s car insurance comparison tool for some quick results. It might pay to try another site or two, so you can compare results. If you want to go directly to insurance company sites, try more than one. There can be a wide range of prices among companies.
THE CAR INSURANCE COVERAGES YOU MAY NEED
What coverages you choose — along with their limits and any deductibles — may directly affect your online car insurance quote. If you’re not sure how much insurance you need, first review your state’s requirements.