When it comes to picking an auto insurance policy, while price is important, picking a policy that actually covers your needs doesn’t sound important, until there is an issue.
There are many different parts of an auto policy, so make sure that you speak to a licensed insurance agent, who doesn’t just represent one insurance carrier.
Every state has different laws regarding the minimum amount of insurance that one must have on their car in terms of liability. This will cover you in the case of an accident, for damaging someone else’s car or property, as well as being sued whether or not the accident was even your fault! There is also something called MedPay or PIP, depending on the state which you live in, which has a minimum amount required by the state you are licensed in.
The second part of auto insurance covers your own car. The coverage is broken down into two smaller parts; comprehensive and collision. Comprehensive insurance covers the car in case of theft, fire, vandalism, falling objects and other perils similar to these. Collision insurance covers damage to your vehicle in the case of an accident.