What car insurance coverage should I get?

There is no definite answer to what car insurance coverage you should get as there are many different things that factor into a personal policy. Mainly, your state's minimum coverage requirements will have a large influence on the auto insurance you should get. It also depends on your personal needs as a driver. To easily find and compare car insurance quotes, simply enter your ZIP code into the FREE tool above!

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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Finding the best car insurance quotes will take you time. There are a number of factors that you will need to consider, such as the state legal requirements and any extras that you could do with. You will also need to consider your other insurances that you have to avoid doubling up on anything. When it comes to comparing car insurance quotes, these are some of the factors that you should consider. To easily find and compare car insurance quotes, simply enter your ZIP code into the FREE tool above!

Are You a High Risk Driver?

If you are looking for quotes for a high risk driver, you will find that you need more cover than someone who is considered to be low risk. Take the time to look into the different insurance companies and find out what they are pushing you to get. Some companies may offer to just have a higher compulsory deductible on your insurance instead of making you buy certain types.

You may find that the liability insurance needs to be much higher. However, if you have other insurance that will help with the cover of that, you could talk to the insurance company. They may require proof that you have that other cover but it could save you a lot.

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Are You a Tourist?

Tourists will want to drive around the United States – after all, there is a lot to cover. To drive, even as a tourist, you will be required to have insurance. Many rental car companies will offer the legal minimum but what if you choose to buy a cheap car to be able to do a road trip over a number of months?

This will mean getting your insurance on its own. You will need to look into the state minimum requirements for wherever you are going. If you are traveling across states, take the time to research each one that you will be driving through or to and then consider which one has the highest minimum requirements to make sure that you meet them – no matter how little you plan to be in the state.

You will not be able to get insurance until you get over to the country but that does not stop you from doing your research. Look into the companies that will offer tourist insurance, which is also known as Progressive Insurance. However, this will take a long time to get it sorted. Sometimes, it is worth just taking out a long term rental car and using the rental companies insurance.

Getting Insurance to Protect Possibilities

One of the big problems is not knowing what will happen in the future. You may get the state minimum, but that will not cover you against things like uninsured drivers or legal cover during the accident. This will mean looking at the different types of insurance that are on offer. Sometimes, it is worth getting these extras to help cover yourself if you really need it.

Cover against underinsured or uninsured drivers is generally worth your money. Statistically, one in seven drivers do not have the correct insurance and if they hit you, it will be you paying out for the damage to your car – unless you manage to take the underinsured/uninsured driver to court. This can become extremely expensive, depending on the problems faced; the cost of the insurance extra will often be less than the cost of fixing your vehicle.

What About Covering Cost of Your Repairs?

The state minimums of car insurance often cover the cost of fixing the third party vehicle if you cause an accident. What it will not often cover is the cost of fixing your vehicle. This is when collision insurance comes in and is generally worth buying. You may think that you are the safest driver in the world and have never had an accident, but there is always the chance that it will happen.

Take your time to look around and compare companies when it comes to collision insurance.

This can add a lot of money onto your cover, especially if you are classed as a high risk driver. It will also mean that your deductibles will need to be raised, which could be more than your car is worth. This is something that those with relatively new cars should consider but is not a must for everyone.

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Cover Against Theft or Damage

There are times that the damage to a car is not due to an accident. Therefore, most of your insurance coverage will not help to pay the costs for that damage. There are other times that a car is stolen but since this is not an accident, the typical car insurance will not cover it. Because of this, you need to start looking at the types of coverage that will help.

This is where comprehensive insurance will come in. You will need to get this, especially if you have an expensive vehicle that could be stolen at a moment’s notice. Of course, this can add a lot onto your policy and it will depend on factors, such as where you park your vehicle overnight and the area that you live in.

Have the Cover for Your Assets

The minimum state requirements will not usually be extremely high, which means that there are chances it will not cover the cost needed to pay out if you are involved in an accident that is your fault. Because of this, you will be put at risk of the third party suing you to cover the damages and this amount could be as much as your assets. If the amount is more than your assets, then you are usually in luck.

It is often worth looking into getting insurance that will cover the cost of your assets, which will prevent the chances of you losing those assets to be able to pay off any injury or liability costs. If the costs of the injury are higher than what you are able to pay out, the third party will be out of luck and will have to cover the remainder of the costs. Not everybody does this but it is generally worth considering.

There are many ways that you can compare car insurance but your best option is through price comparison websites. Take your time to compare all of your needs and look into the types of insurance available. The above list is just some of the ones available that you may need at some point.

There are many people who will opt for the lowest amount of insurance because it is the cheapest for them. However, you cannot just think about the cost of your insurance. You will also need to think about the cost of repairs and payouts if there is ever a collision that is your fault or your car is stolen. You could find that the extra that you pay in the car insurance is less than the amount that you could end up paying out during an accident, whether that is for medical, legal or car repairs.

Be sure to compare car insurance quotes for yourself by entering your ZIP code into the FREE comparison tool below!

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