Auto Insurance

If you drive a car, you have to have auto insurance. It's that simple. Why? Because, most states require at least liability coverage. But, beyond state legal requirements, when you look at the facts and figures of automobile accidents, you'll realize that auto insurance is one of your most valuable and important expenditures.

Liability Insurance: This coverage is the basis of all auto insurance policies, and the minimum required in most states. If you're found at fault in an accident, liability insurance pays for the injury and property damage expenses of the third party involved in the accident. Property damage pays for the replacement or repair of anything that was damaged. Bodily injury expenses cover lost wages and medical bills. If you cause a major accident, your current or potential coverage may not cover you sufficiently. It is a safe bet to buy more than the minimum required by your state.

Collision Insurance: If you're found at fault in an accident, collision coverage will cover expenses needed to repair your vehicle. Collision coverage is usually the most expensive component of an auto insurance policy, although it isn't required. Insurance companies might proclaim your car a "total loss" if the repairs exceed the market value of the car. When this occurs, the insurance company will pay you the actual cash value, minus the deductable. From there your car is off to an auction where it will be sold for parts or scrap.

Electric Insurance Company: No tickets or claims in 3 years? You could save 20% over your current automobile insurance rates! Insuring GE employees for 35 years and quoting online since 1996, Electric Insurance specializes in providing good drivers with great rates and award-winning customer service.

21st Century Auto Insurance: Provides complete, comprehensive auto insurance for residents of CA, AZ, IN, IL, NV, WA and OR at very competitive prices. New customers report average savings of $300 on car insurance.

2Insure4Less: Compare auto insurance quotes and save.

AARP Auto Insurance: The AARP Auto Insurance Program from The Hartford offers great rates, peace-of-mind protection and first-class service.

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