Looking to purchase the minimum auto insurance coverage for your car? Want to know where to get the cheapest rate? Read on ...
What's the minimum auto insurance coverage I need to drive?
It varies from state to state. In most states you need to have liability insurance to legally drive your car. A few states also require you to have personal injury protection and uninsured motorist coverage.
Here's what those coverages mean:
Liability coverage pays claims made against you, your family, or someone driving with your permission, for property damage, physical injury, and death.
Liability coverage is expressed by three numbers. The first two numbers refer to bodily injury coverage while the third number refers to property damage coverage. So 15/30/10 means $15,000 coverage for one person injured in an accident, $30,000 coverage for all persons injured, and $10,000 coverage for property damage.
Personal injury protection coverage pays your medical expenses and your passenger's medical expenses when you have an accident. It also pays you and your family's medical expenses if you're involved in an accident in someone else's car.
Uninsured motorist coverage pays for injuries or property damage to you, or your family and passengers, caused by an uninsured driver, an underinsured driver, or a hit-and-run driver.
You can visit the Insurance Information Institute’s web site - III.org - to find the minimum auto insurance coverage required by your state.
Where can I get the cheapest rate?
The quickest and easiest way to get minimum auto insurance coverage at the cheapest rate is to go to an auto insurance comparison website. In just a couple of minutes you can get the cheapest quotes from top-rated companies. It's fast, it's easy, and it's free.
Visit http://www.LowerRateQuotes.com or click on the following link to get minimum auto insurance coverage quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your insurance questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get cheap minimum auto insurance coverage.
