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US Auto Insurance
The Most Common Types of Auto Insurance Coverage

Shopping for auto insurance coverage? It’s easy to get confused. There are many coverage options and all 50 states have different laws and requirements! Fortunately, AutoInsuranceAce.com makes it easy. When you enter your zip code, our auto insurance providers will deliver affordable insurance quotes with coverage recommendations appropriate for your state. As you review your auto insurance options, it may be helpful to reference the most common types of auto insurance coverage below:

  • Auto Liability Coverage: Auto liability insurance is one of the most important coverages to have because liability claims are expensive – sometimes costing millions of dollars. Liability occurs when you cause harm or damage to other people or their property. Most states require drivers to carry a minimum amount of liability coverage. However, because liability claims are so expensive, insurance experts recommend carrying more than just the minimum coverage requirement. Generally, auto liability coverage falls into two categories: property damage liability and bodily injury liability. If you face an auto liability suit, your policy will pay for your legal defense and court costs, along with any resulting damages – up to your policy limits.
  • Personal Injury Protection and/or Medical Payments Coverage: Personal injury protection and medical payments coverage benefits are paid by your insurance company, and are designed to cover whoever is driving your car and its covered passengers. Some states require personal injury protection, other states require medical payments coverage, and a few states require both. These coverages pay medical expenses for individuals covered by your policy. Sometimes, they also pay for lost earnings, funeral expenses, rehabilitation services and replacement services, such as child care, while the injured person is disabled. With these coverages, your insurance carrier will usually pay benefits regardless of whether you were at fault for the accident.
  • Collision Coverage: Ever wonder what happens when a tree limb falls on your car and dents your roof? That’s when your car’s collision coverage kicks in. It covers the cost of damage to your vehicle resulting from a variety of exposures – from falling tree limbs, rollovers, accidents, foreign objects and more. If you have a loan for your vehicle, your lender may require collision coverage, but most state laws do not require it. However, it’s generally a good idea to carry this coverage if it might be difficult to pay for vehicle damage out-of-pocket.
  • Comprehensive Auto Coverage: If your car is stolen, or its door is ripped off by a nasty windstorm, you’ll be glad you have comprehensive auto coverage. This insurance covers damage or loss of the covered vehicle, when it is caused by exposures other than accidents and rollovers – such as weather, fire, theft and vandalism. This coverage is not required by state law, but may be required by your lender if you have an auto loan.
  • Uninsured or Underinsured Motorist Coverage: Imagine that you’re T-boned at an intersection by a driver who ran a red light. Now imagine how you feel when you discover that the person who hit you has no insurance. It’s a bad scenario unless you have uninsured or underinsured motorist coverage. This coverage pays for damage when the at-fault driver has no insurance or not enough insurance to cover the total loss.
Now that you know the most common types of insurance coverage, there’s only one thing left to do: Shop! Enter your zip code above to discover quality auto insurance coverage at the best rates around!