Answer a brief set of questions regarding your current auto insurance policy to learn if you have the coverages you need. If your car insurance information is handy it may help, but isn’t required.The auto section of our Insurance Advisor should take two minutes or less to finish. If you also complete the health, life and home sections, you’ll be presented with a detailed overview of your insurance portfolio.
The amount of car insurance you need to drive legally (your state’s minimum car insurance requirement) is usually not sufficient to financially protect you should you have an accident. And if you don’t have optional coverage, your car isn’t covered for theft and damage from collisions, fire, floods, hail, animal strikes or vandalism. If you’re unsure how much car insurance you need, our Insurance Advisor will help you.
Minimum car insurance requirements vary by state. All states’ auto policies require liability coverage for bodily injury and property damage, but from there it differs. No-fault states require personal injury protection (PIP) and some states require uninsured and/or underinsured motorist. A policy with only the state minimums is better than nothing, but to protect your assets it’s wise to carry more coverage and higher limits. When you’re liable for an accident, you have to pay out-of-pocket for damages for whatever your car insurance doesn’t cover.
Our Insurance Advisor will review your existing policy details and determine what coverages you may be missing for a well-rounded, well-balanced auto insurance policy. It will explain the different types of car insurance and what they cover as you answer the questions, will give you a letter grade on your current policy and offer recommendations for limits and coverage types if you have gaps in your policy.
The Insure.com Insurance Advisor is an educational tool created to help you learn about auto, health, home and life insurance. The tool is designed to help consumers understand how the different types of insurance coverage options work, as well as what factors to consider when selecting types of coverages and limits. The recommendations are for informational purposes, and not intended to take the place of a certified financial planner, but instead are intended to assist you in making your own decisions about insurance. They may not take into account ALL factors, such as your budget, risk tolerance, family situation or activities, which may affect the type and amount of insurance that would be right for you. In addition, state insurance laws and insurance company underwriting rules may affect available coverage and its cost.
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