Shopping for the cheapest car insurance quotes doesn’t have to be a hassle as it sounds in the first place. And that’s easy to see why since you can now get and compare auto insurance quotes online. Better, you can choose to work with independent or captive insurance agents to help make this process easier.
But before taking this route, it is in your best interest to understand the different coverage types to choose from. After all, there are several types of car insurance coverage that can be purchased, depending on your needs. Below are some of the most notable ones.
Car Liability Insurance
Car liability insurance is needed in most parts of the world. And this is no longer surprising since it provides coverage for drivers who cause accidents and injure other people or damage their property. This type of car insurance pays for other peoples’ losses the policyholder causes. But it doesn’t pay for damages the policyholder personally incurred, such as damage to their own vehicle.
Collision and Comprehensive Insurance
Collision and comprehensive insurance protect the policyholder in two dissimilar ways, In a nutshell, collision coverage pays to repair or replace the insured’s car if a crash happens. Comprehensive insurance, on the other hand, pays to repair or replace the car after other losses, such as damage resulting from hitting an animal or a tree falling on the vehicle.
However, collision and comprehensive insurance aren’t usually required. Drivers who want this kind of coverage need to be sure it is included in their car insurance quotes. Be sure to factor in the pros and cons of these types of car insurance before deciding on anything.
The Bottom Line
The above are some of the different types of car insurance you should know about before comparing quotes online. You want to be sure that you’re getting the best policy possible, and that’s only possible if you fully understand what they entail. To cut a long story short, always take it upon yourself to do your homework before getting and comparing car insurance quotes.