The Basics of General Auto Insurance

You may have heard of general auto insurance but aren't totally sure what it means. Basically, this type of insurance usually includes liability along with collision coverage. It is a common policy for many insurance customers. Liability is the minimum coverage you will need, in any state, before you can drive. Liability coverage takes care of damage and injury sustained to the other party if you are the cause of an auto accident. The amount of coverage required varies by state.

It is important to understand that when you have liability insurance, the company will only take care of the amount of insurance you have purchased. So if you have a few thousand dollars worth of coverage and the damage you have to pay for costs more than that it will come out of your pocket. This is why you may want to get more liability coverage than is required by your state. As they say, it is better to have more coverage than you need than not to have enough. Of course, keep your budget in mind because you don't want car insurance costs to be unmanageable.

Collision coverage is a type of insurance that covers damage to your own vehicle if you are in an accident, whether the fault lies with you or the other driver. Collision coverage is usually required if you have purchased a new car under financing and there is a lien on your title. That way the lien holder is assured the car will stay in good condition in the event that it is repossessed due to non-payment of your car loan. Even if you don't have a lien on your title collision coverage is a good thing to have.

General auto insurance can range in price, so your best bet is to do plenty of comparing. This is easy when you acquire free quotes online. All you have to do is complete a basic form that may be one or more pages. This form will ask you your basic data, as well as information about your driving history and your car. You will be also asked what kind of coverage appeals to you. When you submit the form, you can get a number of quotes for this type of car insurance instantly. While your actual rates may vary a bit, these quotes are usually quite accurate.


 

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