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Why Do You Need Auto Insurance?


There are two main reasons you need auto insurance. First, to protect yourself financially, and second to comply with state law.


If you are in a serious car accident, costs can mount up quickly. The average person does not have the financial means to cover the damages, which is why you need insurance.


Nearly every state requires Auto insurance. Even states without mandatory insurance laws require you to be financially responsible in the event of an automobile accident.

It is easy to overpay for auto insurance. That’s why it is important to compare multiple insurance quotes. While there are a wide range of factors that can affect your insurance premium, there are a number of things you can do to get the least expensive and most dependable insurance. That’s where we come in!

You should not have to break the bank to get dependable auto coverage. There are a host of auto insurance companies out there, finding the right coverage for your needs while taking advantage of discounts available is the key. That is where we can help!

We can help you find competitive insurance rates from not just brand name national auto insurance companies, but also smaller insurers, since you never know where the best deals could be hiding.

Minimum Requirements

States Minimum Requirements Of Coverage

You are required in most states to have at least liability coverage before you get behind the wheel. Some states require other coverages, such as no-fault coverage, if you live in a no-fault coverage state. Each state sets its own coverage minimum.

While your policy needs to have at least the minimum coverage, it is wise to carry more in most cases. The majority of auto insurance policies don’t provide enough protection in an accident.

Auto Insurance

How Does An Auto Insurance Company Decide What To Charge?

The process Insurance companies use to determine whether to sell you a policy and how much to charge you for that policy is called underwriting. Companies consider these following things when deciding your auto insurance policy:

  • Your Age
  • Your Credit Score
  • The kind of car you have
  • Your Claims history
  • Your driving record
  • Where you keep your car

All of these things are taken into consideration by the insurance company before determining an annual rate for you.

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