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According to the National Highway Traffic Safety Administration, the number of motor vehicle crashes, injuries and deaths increased nationally in 2015. The NHTSA states that there were over 5.6 million traffic accidents reported by police in 2014, showing an increase rate of 8.4 percent from 2015. Injuries increased by 6.7 percent and fatalities increased by 5.1 percent. If you are in a car accident, you will likely suffer injuries that range from minor to severe. In addition, your car will also suffer damage. How will you pay for the medical care, the months of rehabilitation, continued medical care in the event of a disability and for auto repairs? The answer is car insurance.

What does car insurance do?

Cheap Car insurance provides you with a financial buffer if you are in a auto accident or your car is the victim of a crime such as burglary or theft. If you are found at fault for a auto accident, the other driver has the legal right to seek appropriate compensation from you to pay for their medical costs and the damage to their car. Instead of suing you personally, that driver can submit a claim to your insurance company to cover the repair and doctor bills. In the event that you are in a single-car accident, your vehicle is broken into or stolen, than you can submit a claim to your insurance company to ask them to pay for the damages caused by the event. Your insurance policy can also help you in the event that you are hit by a driver who is underinsured or is uninsured. Essentially, having car insurance is like having a financial safety net ready to catch you if needed.

What kind of car insurance coverage do I need?

When it comes to car insurance, there are federal and state guidelines in place so the amount and type of car insurance you are required to have by law will depend where you live. These are the most common types of insurance coverage:

  • Liability - often used for single car accidents and if you are found at fault
  • Bodily injury liability - covers your injuries from an accident
  • Property damage - pays for damage done to your car or another person's vehicle
  • Collision - used when an accident involves another vehicle
  • Personal injury protection - provides financial assistance if you require medical care
  • Comprehensive - if the other driver does not carry liability and they are at fault, this insurance will cover your damages as well as damage incurred on your vehicle through criminal actions
  • Uninsured/underinsured - protects you financially if the other driver does not carry insurance or have enough insurance to cover your damages

When selecting your car insurance policy, you should keep in mind what you may have to pay out of pocket if you don't have the right insurance. Often, it is better to pay for extra features on your policy than take the risk.

How much will car insurance cost me?

Your auto insurance policy rates are determined by the state and city you live in. If you live in a state that has a high cost of living and a high rate of accidents, then you will likely have to pay more for car insurance. Another factor that influences car insurance rates is crime. If your city has a high auto theft rate, such as New York City, Detroit or Los Angeles, than you can expect to pay higher premiums than if you lived in a smaller town. This is because insurance companies have to pay out more money to cover the claims being submitted and they need to increase rates in order to make sure they have the ability to meet those claims.

That being said, there are ways that you can reduce the amount of money that you pay on car Insurance. Many insurance companies offer discounts if you have a clean driving record, make your payments consistently on time and do not have any lapses in coverage. To see if you are paying more than you need to for your car insurance, request your free quote from Cheap Auto Insurance today.

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