Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jan 31, 2016

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Here's what you need to know...

  • Determine whether you need liability, comprehensive or collision car insurance
  • Choose a deductible amount you can always afford
  • Look up various policies using an insurance comparison tool
  • Determine if you are eligible for any discounts
  • Purchase your policy

Every state requires a minimum amount of insurance in order to drive your car. Without insurance, you could be subjected to the suspension of your registration, license plate, and even your driver’s license. Thankfully, it is very easy to acquire car insurance. All you have to do is determine how much you can afford each month, view several policies via an insurance comparison tool and choose the policy that best meets your needs. Start comparing car insurance rates now by using our FREE tool above!

Minimum Insurance Requirements

Each state has its own rules and regulations regarding minimum insurance policies. For example, Ohio requires every driver to have Bodily Injury Liability car Insurance with minimum coverage limits of $25,000 per person and $50,000 per person per accident. The important thing to note about Liability auto insurance and minimum insurance requirements is that they do not fix your car in the event of a car accident or incident, and they do not pay your medical bills if you are determined to be the at-fault driver. Instead, they pay for the other driver’s personal injuries and auto repairs.

For most driver’s the minimum insurance requirements set forth by the state do not meet their needs, and it may be more beneficial to purchase a policy that covers the other driver and your vehicle in the event of an incident or accident. To determine which policy is right for you, you can research policies via a comparison quote tool that returns results for several different policies from multiple insurance carriers.

  • Liability policies are the minimum amount of insurance required by law
  • A liability policy does not cover you if you are the at-fault driver
  • You may still be held financially responsible for any expenses not covered by your insurance policy

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Comprehensive and Collision Car Insurance Policies

Instead of purchasing the state minimum, you may want to consider getting collision or comprehensive car insurance. Comprehensive car insurance is designed to pay for damage to your car that is not the result of a car accident. These policies typically cover damage caused by fire, theft, vandalism, items falling or hitting your car, like rocks and debris on the roadway, certain natural disasters and hitting animals. Comprehensive car insurance is usually an add-on policy.

Collision insurance pays for the repairs to your car if you are in a car accident or incident, and it was determined to be your fault. Collision insurance typically covers you if you hit another car or object or roll your vehicle. This type of policy is also beneficial if you live in a state that determines all car accidents to be no-fault or if you are involved in a hit and run accident. To determine if comprehensive and collision insurance would be right for your driving habits, you should research various policies using a comparison tool.

Deductibles

Once of the easiest ways to save money on your monthly car insurance premium is to choose a higher deductible. However, you never want to pick a deductible amount that you can never afford. A typical car insurance deductible is $500. However, it is important to understand that your $500 deductible is the amount you must pay before your car insurance starts paying for your injuries and repairs.

For example, if you are involved in a car accident that causes $2,500 worth of damage to your car, you must pay $500, and you insurance company will pay the remaining $2,000. If you do not regularly have $500, a car insurance policy with a deductible of $500 will not help you, and you will want to consider a lower deductible. If you regularly have more than $500 in your bank accounts then you might want to consider a deductible higher than $500 to lower your car insurance premiums.

Car Insurance Discounts

  • Certain vehicle safety features
  • Multi-line discounts
  • Safe driver discounts
  • Low-risk driver
  • Low mileage driver

There are a multitude of car insurance discounts that are available to most drivers. One of the most common discounts is the multi-line discount. This cost saving feature rewards drivers that have more than one insurance policy with the same company. Common insurance policy combinations include auto insurance and renters or homeowners insurance or car insurance with a life insurance policy.

You may qualify for a safe driver discount if you have not been in a car accident or incident in more than three years, and you may be eligible to receive a discount for your low mileage if you drive below a certain number of miles each year.

In addition, drivers with cars that have certain safety features, including passenger-side airbags, passive restraint systems, and anti-lock brakes, may qualify for additional discounts on their monthly premium. In order to see all of your available discounts quickly, you can use a comparison quote tool and fill out some information about your driving habits.

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Choosing a Car Insurance Policy

Once you understand the details of all the available auto insurance policies in your state and the discounts, you can successfully choose a policy that meets your needs and your monthly budget. The easiest way to find and purchase a policy is by inputting some information about yourself and your driving habits into a car insurance comparison tools. These tools are designed to match your information with available policies from multiple insurance carriers so that you can choose the best possible coverage for your driving habits and budget. Start comparing car insurance rates now by entering your zip code in our FREE tool below!