New Car Insurance
Are you looking for new car insurance, or comparing auto insurance for your existing car? If so, you've come to the right place. Why? Because of the following three things:
- We are independent of any insurance company in the market;
- We can provide you with multiple quotes from leading providers; and
- We are recognized as specialists in insurance for both new and existing cars.
Most states require that you have some form of car insurance, but you really want that coverage anyway. And you want even more than that, because the legal minimum amount of coverage will not provide adequate protection for the vast majority of drivers. What you don’t want is to risk the financial ruin that can come from a moment’s inattention, a hasty decision or a bit too much speed. Driving a car can be stressful enough, but you don’t want to add to that with the worry of being under or uninsured.
Car insurance gives you the protection and peace of mind you need. And that’s where we can help the most. We have a proud record of introducing consumers to the best auto insurance companies in their state, so they can secure just the right coverage for their needs. And not just that, but coverage which is both affordable and competitive.
Car Insurance Coverage
The type of car insurance coverage which you require will depend on the legal system operating in your state. Most states operate under a tort system in which drivers who cause bodily injury through negligence may be sued for the financial and other effects of the injury which they cause. Drivers in those states are therefore required to have auto liability insurance in order to meet those claims should they arise, in addition to any other types of coverage which they may choose to effect. Other states (12 in total) operate under a no-fault system in which the courts can be avoided for the settlement of financial claims in the event of injury. In those states claims are generally met by the parties’ respective insurance companies, regardless of who is at fault. Proponents of the no-fault system claim that it produces lower auto insurance rates. It should be noted, however, that the no-fault system does not provide immunity against lawsuits.
There are six principal types of coverage which may be included within an auto insurance policy, as follows:
-
Personal Injury Protection (PIP)
This provides coverage for bodily injury caused to yourself and any passengers in your car, irrespective of who is at fault. The coverage includes medical expenses, and it may be extended to include any or all of rehabilitation expenses, loss or earnings, funeral expenses and surviving spouse and dependents’ benefits.
-
Bodily Injury Liability
This provides coverage for bodily injury caused to any person other than yourself, when it is caused by yourself, any family member living with you or by any person using your car with your consent. The coverage also applies when you or your family members are driving someone else’s car with their consent.
-
Property Damage Liability
This provides coverage for damage to someone else’s property when it is caused by you or any person driving your car with your consent. The property covered includes the other person’s car, fence, garage, house or any other structure.
-
Collision Coverage
This provides coverage for damage caused to your own car as a result of collision with another car or object, irrespective of who is at fault. It also extends to damage caused by potholes and by your car overturning.
-
Comprehensive Coverage
This provides coverage for damage caused to your vehicle from a wide range of causes not otherwise covered by collision insurance, including theft, vandalism, riot, missiles, falling objects, fire, earthquake and adverse weather. It will also cover windshield damage or breakage.
-
Uninsured (and Underinsured) Motorist Coverage
This provides coverage for bodily injury caused to yourself and any passengers in your car, caused by an uninsured motorist or an unknown motorist (such as a hit and run driver). The coverage extends in some cases to underinsured motorists.
Car Insurance Quotes
We are experienced in arranging car insurance quotes, and we can help you obtain the right coverage. Just fill out the simple online form, starting with your zip code above.
We will arrange a number of quotes from leading providers in your state, so you can find the most competitive rate and terms and choose the most appropriate coverage for your circumstances. In other words, we'll help you shop around, and give you the satisfaction that comes from comparing a range of quotes before deciding to buy. So put competition to work for you in arranging just the right auto insurance for your car.