This article takes a look at a few of the companies that offer cheap car insurance and gives you a picture of what the typical costs associated with those companies. This list should be used as a tool to help you narrow down your choices when you are trying to find cheap car insurance.

State Minimums

When you are shopping for cheap car insurance you need to make sure that you understand state minimums. Every state has a minimum requirement of the types of coverages that you need to carry. Unfortunately, most car insurance companies are not forced to offer you these minimums, however, they are required to submit them to your state. Below is a list of the state minimums, a couple of notes about them:

Ciability Coverage

This is coverage that pays for property damage and personal injury to the person you hit. In general, your liability coverage will be limited to the dollar amount listed in the policy. Don’t just accept the minimum amounts listed. It’s not usually enough coverage. You’ll want to increase the amount of liability coverage, to make sure that you are fully protected.

uninsured motorist coverage

Uninsured motorist coverage protects you and the members of your family in the event that you are in an accident caused by an uninsured driver. Even if your state does not require that you have this coverage, it’s a good idea to carry it. It could mean the difference between you getting home with your car intact and you getting towed to the nearest repair shop or jail.

Personal Injury Protection Coverage

In some states, personal injury protection coverage is required. It covers the medical expenses of you and your passengers in the event of an accident. There are different deductible levels that you will need to choose from, based on your personal budgets.

Collision Coverage

Collision coverage will pay for damage to your car in the event that the car is involved in a collision with another vehicle or object. If your vehicle collides with another vehicle or object, the collision coverage will pay for the repair costs. However, the deductible will apply.

Comprehensive Coverage

Comprehensive coverage will pay for damage to your vehicle that is not the result of a collision, such as damage from hail, vandalism, theft, or fire. Comprehensive coverage will also pay for the repair costs of your vehicle in the event that you are involved in an accident with an uninsured driver.

Alabama Shop Around: The first thing you need to do is contact several different insurance companies and get a quote. Then, ask each of them for an estimate of the same coverage. Try and get a quote from every insurance company in your area. Take the time to compare the prices and the coverage levels.

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