Drive with Confidence: Affordable, Reliable Car Insurance
Get the coverage you need at a price you can afford.
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What Is Car Insurance?
Car insurance is a contract between you and an insurance company that protects you against financial loss in case of an accident or theft.
Types of Coverage:
• Liability: Covers damage to others
• Collision: Covers your car in accidents
• Comprehensive: Covers theft, vandalism, weather
• Uninsured Motorist: Protects against uninsured drivers
Coverage Requirements:
• Required by law in most states
• Minimum coverage varies by state
• Optional coverage for additional protection
Why Car Insurance Is Important
Financial Protection
Protects you from costly accident expenses
Legal Requirement
Required by law in most states
Property Coverage
Covers damages to your car and others' property
Peace of Mind
Drive confidently knowing you're protected
When You Need Car Insurance
You need car insurance when:
• Buying a new or used car
• Moving to a state where it's legally required
• Leasing or financing a vehicle
• Your current policy expires
• Switching providers to save money
How to Get the Best Deals
• Compare quotes from multiple providers
• Maintain a clean driving record
• Bundle with home or life insurance
• Choose a higher deductible
• Ask about discounts (student, military, low mileage)
💰 Average Savings
Drivers save an average of $410/year when they switch providers
Car Insurance Statistics
$1,190
Average annual premium
15 days
Average claim processing time
$4,700
Average accident claim cost
87%
Of drivers have insurance
More questions about Car insurance? We have answers
We break down Car insurance so you don't have to: See all Car insurance resources.
Frequently Asked Questions
Yes, if you own a car, you typically need insurance regardless of how often you drive. Consider usage-based insurance for low-mileage drivers.
Driving without insurance can result in fines, license suspension, and personal liability for any damages you cause.
It depends on the type of claim and your insurance company's policies. At-fault accidents typically increase premiums more than comprehensive claims.
Yes, though you may pay higher premiums. Some companies specialize in high-risk drivers, and rates typically improve over time with safe driving.
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