Drive Away with Auto Insurance
A good auto insurance plan should fit like your favorite pair of jeans: it will cover you in all the right places and shouldn’t be too restricting—to your budget, that is.
We at SelectQuote understand how busy you and your family might be, so we want to make enrolling in an auto insurance policy as simple as possible.
Each SelectQuote Auto & Home agent is a licensed insurance expert, making it a breeze to drive away with the coverage that’s right for you. SelectQuote Auto & Home offers comparison shopping of up to 16 highly rated carriers to help you find a plan that will keep your hard-earned cash where it belongs most; in your pocket.
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Let’s take a look at the six basic types of auto insurance coverage:
- Bodily Injury Liability. One of the more basic coverage plans, bodily injury liability only kicks in if you are at fault in an auto accident. Your insurance provider will cover the cost for the medical expenses, rehabilitation and funeral costs sustained by injured passengers in your car as well as other victims. A bodily injury liability plan will also pay your legal fees and the settlement of a lawsuit that may occur following an accident you caused.
- Property Damage Liability. Similar to the bodily injury liability plan, this coverage comes into play when you are at fault for an auto accident. Property damage liability includes parts and labor for car repairs, property inside the other party’s vehicle and items you may have hit, such as a neighbor’s mailbox or fence. This plan will also cover legal expenses, though it does not cover damages to your own vehicle or property.
- Personal Injury Protection (PIP or No-Fault). There’s no need to point fingers with a personal injury protection plan. No matter who is at fault in an auto accident, PIP covers most medical expenses—including hospital, rehabilitation and in-home assistance costs—along with lost wages and funeral expenses incurred by you and your passengers. Certain states require personal injury protection in addition to other types of coverage.
- Uninsured/Underinsured Motorist Protection. This type of plan helps cover you if you’re hit by a driver with no insurance or inadequate coverage. Uninsured/underinsured motorist protection pays for the medical expenses, rehabilitation and funeral costs incurred by you and all passengers in your vehicle. The plan also pays for settlements of lawsuits caused by an uninsured, underinsured or hit-and-run driver. Certain states require this coverage, whereas some other states offer it as an optional coverage for additional cost.
- Collision. With this type of coverage plan, your insurance provider would pay for repairs if you were at fault in an auto accident. Collision coverage pays for any damages to your vehicle up to and including the cost of your vehicle. This means if your car has body damage, you can go to a repair shop and your provider will cover the costs above your deductible. Your insurance provider will offer you a list of pre-approved repair shops and mechanics, so make sure the shop you visit is covered in your plan. Collision coverage is an optional and available for an additional cost.
- Comprehensive. It’s all in the name, meaning a comprehensive coverage plan covers a broad scope of potential problems. If your vehicle is damaged due to a natural disaster, fire or other unpredictable event for which you are not responsible, a comprehensive coverage plan will cover the costs. This type of plan, which is optional and available for additional cost, can also cover vandalism and theft.
Get your free insurance quotes now or call 1-888-220-5450 to speak to a licensed agent who is ready to answer any questions you may have.
*These descriptions may vary by carrier. Always consult your insurance agent about coverage type and policy details.