subject: Know the State's Insurance Requirements When Searching for Cheap Auto Insurance Online [print this page] Most states only require liability auto insurance on a vehicle. This kind of insurance provides someone with two kinds of coverage, helping protect the people in the other car and the vehicle itself if an accident would occur. It doesn't matter whether you drive once a week or several times a day, it is important to have proper coverage. This is why many people have looked into cheap auto insurance online. The rates tend to be better and there are more options for a person.
When shopping for liability auto insurance, you will find it provides two different kinds of coverage. The first is bodily injury liability coverage, which will pay for the medical expenses for any people you might injure during an auto accident. It will also provide property damage liability coverage. This will replace or repair the other people's vehicles or any personal damage done in the event of an auto accident.
There are different coverage rates, and it will depend on how much you want to insure. For instance, if the numbers 50/100/150 are on the paperwork, it means you are getting maximum coverage of $50,000 for one person's medical bills, $100,000 for everyone else's medical costs, and $150,000 for the other car and property.
Some states also ask motorists to have personal injury protection coverage or uninsured motorists' coverage on their policy. This means you would be reimbursed for all medical bills and any passenger's medical bills while in an accident, even if the other person was uninsured.
There are a lot of different requirements to keep track of, especially if you move states a lot. It might help to use an online agency to get cheap auto insurance online, but it is also recommended to check the state's insurance requirements before you start looking at quotes. This will save you a lot of hassles later.
Know the State's Insurance Requirements When Searching for Cheap Auto Insurance Online
By: Carla Kaplan
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