Start with state requirements
Most states require minimum liability coverage or proof of financial responsibility. Minimum coverage may not adequately protect your assets after a serious accident.
Major coverages
Liability
May pay others when you are legally responsible for a covered accident. It generally does not repair your own vehicle.
Collision and comprehensive
Collision may cover crash damage to your vehicle. Comprehensive may cover theft, weather, fire, falling objects, animals and other listed events.
Medical payments or personal injury protection
Depending on state law, these may help with covered medical costs for you or passengers regardless of fault.
Uninsured or underinsured motorist
May protect you if an at-fault driver has no insurance or insufficient limits.
Limits and deductibles
A limit is the most a policy pays for a covered loss. A deductible is the amount you generally pay before certain coverage responds.
Compare more than premium
- Use identical limits and deductibles.
- Review exclusions, optional coverages and fees.
- Ask which discounts apply and what keeps them active.
- Confirm effective dates before canceling existing coverage.
Information only: This guide is general education, not legal, financial or insurance advice.