Free Online Car Insurance Quotes

The hunt for affordable car insurance takes time and the numerous options can become confusing. Fortunately, with the advent of the Internet, the process of finding car insurance has been substantially simplified.

Car insurance websites help research your needs and connect you with the right insurance companies, and receiving free quotes online helps you make the best insurance choices for yourself and your family. However, even though insurance websites have made quoting easy, it’s best to figure out exactly what type of insurance, and how much of it, you need before requesting your quotes.

How Much Car Insurance Should You Get?

When considering your car insurance needs, start with the minimum requirements for the state in which you reside — your state’s Department of Motor Vehicles and some car insurance websites can provide this information. Most states require at least liability coverage, and some require PIP, or personal injury protection. Some states, usually no-fault insurance states, require uninsured motorist protection.

Keep in mind, each states’ required coverage limits might not be sufficient to cover all of the costs in an accident. Consider how much insurance you would require to protect all of your assets in a worst-case scenario.

Specialized Car Insurance Needs

Your personal situation dictates the type of car insurance required for proper protection. Do you have a few points on your driving record? A DUI? Or do you have a special, classic or custom car that you have invested a lot of money in and keep garaged most of the time? Different insurance companies tend to focus on covering a certain niche of drivers.

Many insurers are happy to cover drivers with perfect records, but higher-risk drivers benefit from choosing a company that specializes in providing high-risk coverage. The rates will be much lower, and has partnerships with a variety of insurers that cover these specialty markets in addition to standard-risk policies

Liability Coverage

Liability coverage is the basic type of auto insurance. This insurance covers the other person in an accident, but does not pay for damages to your own vehicle or injuries you sustain. In addition to requiring certain coverage types, each state also has required limits for liability insurance. For example, the state of California requires 15/30/5, or $15,000 of bodily injury coverage per person in one accident; $30,000 coverage for all parties injured in one accident and $5,000 to cover property damage in one accident.

Comprehensive and Collision Coverage

Comprehensive and collision coverage protect you and your car. Collision coverage provides reimbursement for damages from a collision with another car or object. Comprehensive insurance takes care of damages that did not result from a collision. For example, if vandals attack your car or you hit a deer on the road, comprehensive, not collision, insurance covers the damage. Damage from a hailstorm, fallen tree or flood is also covered under comprehensive insurance.

People driving newer-model cars usually need comprehensive and collision coverage. For older cars, it may be less expensive to pay for repairs out-of-pocket. The cost of comprehensive and collision insurance can be expensive, possibly costing more than the amount of repairs or the total value of an older car. Newer cars, and any car that is financed through a loan or lease, will most likely need comprehensive and collision insurance to comply with the financing terms.

Additional Types of Coverage

Gap insurance coverage provides a safety net if your car is totaled in an accident. Most insurance policies only cover the vehicle’s current market value. Additionally, you may be at the mercy of the insurance company when this value is calculated. Gap insurance pays the difference between money from the insurance company and the true value of your vehicle. Gap insurance may also be a requirement in some financing contracts. Other coverage options include emergency road service and rental car reimbursement.

Insurance Company Reputation

Free quotes will help you find the lowest-cost insurance — but before you grab that policy, consider the quality of the company. A cheap policy is not cheap if the insurance company denies or under-pays your claim, or provides grossly inadequate customer service. JD Power and Associates performs an annual National Auto Insurance Study to assess the quality of the nation’s largest insurance companies.

Ratings include policy offerings, pricing, billing and payment and contacting the insurer. National credit rating agencies A.M. Best, Standard & Poor’s, Moody’s and Fitch Ratings provide financial strength ratings to verify that insurers have the ability to pay out claims.

Free Online Car Insurance Quotes

Free car insurance quotes are available on many different car insurance websites, especially those of the larger, nationwide insurers. The quotes should be free — after all, the car insurance industry is very competitive, and these insurance companies want your business.

Shopping different insurance companies is the easiest way to get lower insurance premiums, since each one will evaluate your situation differently. Some insurance companies place less weight on factors such as traffic tickets, so it’s definitely important to investigate several companies. can help you get started with insurance companies in your area; just enter your zip code.

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