Auto – Online Insurance Quote

Lets properly protect your car

Want to know more about auto insurance?

Comparing auto insurance quotes is easy

One of the best ways to save money on car insurance is to compare quotes. Prices can vary by hundreds of dollars among companies, so time spent getting prices can really pay off.

Types of car insurance

It’s good to have an idea of what kinds of auto insurance you want when you’re ready to compare car insurance quotes. Here are the main coverage types.

Liability insurance. This is required in most states and is the foundation of auto insurance policies. Liability coverage pays others for accidents you cause, including injuries and property damage. Note that liability insurance does not cover any damage to your own car.

Collision insurance. This pays for damage to your car if you hit something, such as a pole or tree.

Comprehensive insurance. This pays out if your car is stolen. It also covers damage to you car if you hit an animal or if you have damage from flood, fire, hail, vandalism or falling objects (such as a tree branch).

Uninsured motorist (UM) insurance. If you’re injured by a driver who has no liability insurance, this coverage pays medical bills. In some states you can also buy a version that covers car damage from an uninsured motorist.

Personal injury protection (PIP) and medical payments (MedPay) coverage. These pay for injuries of you and your passengers, no matter who was at fault. Some states require PIP, where it is sometimes called “no-fault insurance.”

Rental reimbursement insurance. If your car is in the shop due to an accident covered by your policy, this helps pay for a rental car. It typically has a daily and total maximum that it will pay.

What's Full Tort Coverage?

With full tort coverage, individuals have the unrestricted right to seek financial compensation for all types of damages resulting from a car accident, including medical expenses, pain and suffering, lost wages, and other related costs.

Under full tort, individuals retain their right to file a lawsuit against the at-fault party without limitations on the types of damages they can pursue

While full tort coverage typically results in higher insurance premiums compared to limited tort, it provides greater flexibility and potentially higher compensation in the event of an accident.

What's Limited Tort Coverage?

Limited tort coverage offers a lower premium but restricts the ability of individuals to seek non-economic damages, such as pain and suffering, unless certain conditions are met.

Under limited tort, individuals waive their right to sue for pain and suffering unless they suffer a “serious injury” as defined by Pennsylvania law.

Serious injuries may include death, permanent disfigurement, or impairment of a bodily function. However, the determination of what constitutes a serious injury can be complex and may vary depending on the specifics of each case.

Limited tort coverage aims to reduce the number of frivolous lawsuits and control insurance costs by limiting the types of damages that can be pursued.

What's Full Coverage?

You may have heard the term “full coverage car insurance.” It generally refers to a policy that has liability, collision and comprehensive coverage. That gives you insurance for damage and injuries you cause others (liability), and damage to your own car and theft (collision and comprehensive).

What's the difference?

While “full tort” refers to the level of coverage for seeking compensation for injuries in a car accident, “full coverage insurance” refers to a comprehensive insurance policy that offers a wide range of protections for the insured vehicle and its occupants. It’s important for individuals to understand the distinctions between these concepts when selecting auto insurance coverage to ensure they have the appropriate level of protection for their needs.

How much auto insurance do you need?

Before you set out to compare car insurance, have an idea of what levels of coverage you want. The minimum you must buy will be decided by your state. State requirements can include liability insurance, uninsured motorist coverage, and personal injury protection (called PIP or no-fault). You may want higher coverage levels for each than what’s required.

Here are examples of levels of coverage for liability and uninsured/underinsured motorist coverage. Your own car insurance needs often depend on how many assets you would have at risk in a lawsuit against you after a car crash. It also depends on whether you want insurance that will pay out for damage such as hail, hitting a fence or having your car stolen.

Higher Level

$250,000 per person/ $500,000 per accident bodily injury liability
$100,000 property damage liability
$250,000 per person/ $500,000 per accident uninsured/underinsured motorist

Typical Level

$100,000 per person/ $300,000 per accident bodily injury liability
$50,000 property damage liability
$100,000 per person/ $300,000 per accident uninsured/underinsured motorist

Lower Level

$50,000 per person/ $100,000 per accident bodily injury liability
$25,000 property damage liability
$50,000 per person/ $100,000 per accident uninsured/underinsured motorist

Minimum level (state requirements might be higher)

$15,000 per person / $30,000 per accident bodily injury liability
$5,000 property damage liability
$15,000 per person/ $30,000 per accident uninsured/underinsured motorist

How are car insurance quotes are calculated?

Rates can vary quite a bit when you compare car insurance because insurance companies all have their own way of calculating prices. Still, here are factors generally used in auto insurance quotes:

The drivers. Age and driving experience affect quotes. So do moving violations such as speeding tickets. This includes all the licensed drivers in your household.

Past claims and accidents. Having caused accidents and made claims will usually mean higher rates.

How the vehicle is used and where it’s parked. Do you use the vehicle for personal or business reasons? Where is it parked at night? These typically affect car insurance quotes.

Credit. Poor credit can mean higher auto insurance rates. The insurance industry correlates poor credit to a higher chance that a driver will make a claim. This practice is banned in California, Hawaii and Massachusetts.

The vehicle. Insurers often use data on past claims on a vehicle like yours to calculate car insurance quotes. If other drivers of your model have made a lot of claims, or the vehicle is expensive to repair, that can be reflected in a car insurance quote.

How to get cheaper car insurance quotes?

No matter where you live or what your driving record looks like, there are ways to get cheap car insurance.

Bundle auto and home insurance. That means buying your insurance policies from the same company. The “bundling” discount is usually one of the better car insurance discounts. You can often bundle renters, condo, boat, RV and other policies with auto insurance.

Ask for a review of discounts. Ask your insurance agent to review possible discounts to make sure you’re getting all the savings you can.

Do everything electronically. Many insurers offer small discounts for paying by EFT (electronic funds transfer) and receiving bills and policies electronically.

Increase the deductible on collision and comprehensive coverage. A deductible is the amount taken out of an insurance check if you make a claim. By raising your deductible you can save money — as long as you don’t mind getting a smaller check if you have a claim. (There’s no deductible on liability insurance claims against you.)

Compare auto insurance quotes from multiple companies. Taking the time to make a car insurance comparison can give you the biggest bang for your buck. Because quotes can vary so much by company, there can be substantial potential savings by comparison shopping.