UPDATED: Nov 1, 2016

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Written By: Jeffrey JohnsonReviewed By: Sara RouthierUPDATED: Nov 1, 2016Fact Checked

Comparing car insurance coverage

Knowing your car insurance coverage options will save you money. Coverage is the dollar amount associated with your insurance plan. The more coverage you have, the more financial protection you have if you are involved in a car accident. The coverage limit is the most that the car insurance company will pay out in the event of an accident. Anything over this amount, you remain responsible to repay. Having the right coverage amount, then, does make a difference.

Find Out Costs

To find out what your car insurance coverage options are, based on the costs associated with each type of plan limit, simply enter your zip code in the box above. Then, you can easily calculate the costs associated with obtaining insurance for any of the coverage options you select. It takes minutes to find out what you are likely to pay to get this type of coverage.

Car Insurance Coverage Options to Consider

Each car insurance company places restrictions and limitations on the coverage options. However, the options listed below are the most common for you to select from for your plan.

  • Bodily injury liability insurance – this type of coverage covers the medical expenses, suffering, pain, lost wages and other aspects associated with an accident as they relate to the other person, or the injured party, assuming you are at fault for the accident.
  • Property damage liability insurance – this coverage is often associated with covering the damage to property you cause in an accident you are responsible for. It often covers loss of use as well.
  • Personal injury protection – this coverage option can cover your medical expenses and other costs related to an auto accident you are involved in. It covers things like rehabilitation, funeral expenses, replacement of services and lost earnings.
  • Collision coverage – this type of car insurance coverage option will pay for the damage to your vehicle caused by a collision with an object or another vehicle.
  • Medical payments – provides protection for associated medical and funeral expenses of the covered party when related to an accident.
  • Comprehensive coverage – the most inclusive of all policy options, this option provides protection for loss and damages to the insured vehicle that are not caused by a collision or a rollover of the vehicle. This may include fire, wind, floor, vandalism, theft, hail, hitting an animal and similar accidents.

These car insurance coverage options provide you with the care you need, but choosing the right product can be a challenge. For that reason, compare your options by using a tool like the one available here. You will learn what the costs associated to the various coverage options are. Then, you can choose the policy that is the best fit for your needs.

To get started, simply enter your zip code in the box above. Find out what your options are, choose the plan that gives you teh coverage you need and the price that is right. It takes minutes to get information that you can then use.

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

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Reviewed by Sara Routhier
Director of Outreach Sara Routhier