Car Insurance



Looking to renew your car insurance? Get updates with latest tips and info on car insurance rates and quotes.

Car insurance protects you against financial loss if you have an accident. It is a contract between you and the car insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

What is Car Insurance?

A car insurance policy is a contract between you and an insurance company to protect the insured against specific future losses
You, as the policy holder / the insured, pays a premium
In exchange, the insurance company (the insurer) promises to pay for specific financial losses during the term of the policy.

Types of Car Insurance Coverage

There are five basic types of car insurance.

  • Liability
  • Collision
  • Comprehensive
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist

Liability Coverage

Most states require all drivers to carry liability insurance.
The purpose of liability coverage is to protect the insured against claims for bodily injury to another person or damage to another person’s property.

Collision Coverage

Collision coverage is car insurance that protects your own car against damage from accidents or vehicle overturning.
This coverage will pay for the damage to your car in the event you are at fault and the other driver’s liability insurance does not have to pay.
Most collision coverage has a deductible.

Comprehensive Coverage

Comprehensive coverage protects you from damage to your car from causes other than collision or vehicle overturning.
The causes might be fire, theft, tornado, hail, water, falling objects, natural disasters, and acts of vandalism.

Personal Injury Protection (PIP)

Also known as medical coverage insurance, personal injury protection (PIP) is automobile insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault.
If the insured is injured as a pedestrian or bicyclist, this insurance will pay the medical costs.

Uninsured/Underinsured Coverage

Uninsured/underinsured coverage is a car insurance that pays for your injuries when the other driver is legally liable but unable to pay.
In other words, if the other driver is legally at fault for the accident but has no car insurance or insurance that is insufficient to cover the costs, your insurer will pay your medical costs.


What determines your car insurance premium?

  • Age
  • Gender
  • Vehicle Type
  • Driving Record
  • Geographic Location