What is an auto insurance quote?

An auto insurance quote is an estimate of what you can expect to pay for auto insurance coverage. Insurance quotes are determined by information such as your driving history, where you live, the type of car that you drive and a number of other personal and environmental factors. Each insurance company writes its auto policies based on different criteria, so no two insurance quotes are alike.

Types of Auto Insurance

When it comes to car insurance, drivers should consider a smorgasbord of possibilities. While one type of auto insurance policy may cover a single aspect, another type protects you from others.

Before sitting down with licensed insurance agent, understand the types of auto insurance coverage available:

• Collision: when you are at fault in an accident, you need liability to cover the people you’ve hit. However, liability coverage alone won’t cover the damage to your car
• Bodily injury liability (BIL): covers the medical expenses of anyone injured in an accident that you caused. Often bodily injury liability policies are described as the 20/50 or a 100/300 policy – the number on the left is the maximum amount the policy will pay for one person’s injuries and the number on the right is the total amount the policy will pay for all injuries total
• Property damage liability: if you caused the accident, this policy pays for any damage done to the vehicle
• Uninsured/underinsured motorist coverage: pays for costs in the event you are hit by a motorist who is either uninsured or underinsured
• Comprehensive Car Insurance: coverage if your car is stolen or damaged (not due to an accident)

An experienced auto licensed insurance agent can help you cut through the clutter

Ask for more information about auto insurance policies and request a quote online.

How Much Auto Insurance Do You Need?

While no driver wants to be underinsured, no one wants to pay more than they have to either. Licensed insurance agents recommend that you make sure you are covered for an equal amount of your total assets (add up the dollar values of your home, car, savings and investments). Additionally all drivers should consider carrying specific types of auto insurance coverage:

• Because you can’t control whether an uninsured or underinsured motorist hits you, consider adding underinsured/uninsured coverage to cover possible costs
• Collision and comprehensive coverage is vital for any vehicle owner particularly considering the cost of vehicles these days

Visit with a friendly auto licensed insurance agent at Pro Insurance Hub for a customized car insurance policy to meet your specific needs, especially when it comes to finding the most affordable auto insurance policies.