Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what the coverage will actually do for them if they find themselves in the position of ever having to use it. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

• Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
• Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
• Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
• Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.
• Deductibles - This is the amount of money you have to pay toward repairs before your insurance covers the rest. For example, if you're in an accident that causes $3,000 worth of damage to "your" car and your deductible is $500, you will have to pay $500 out of pocket toward the repair or $500 will be deducted from your payout (i.e. $3000-$500 =$2500 payout).

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage that fits tour needs best. The best way to do this is to use our comparative quoting system located above to help you compare insurance quotes online easily. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need. It's very easy to use but you contact our office anytime during business hours if needed. Just remember the more info you input the more accurate you'r final quote will be.