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Basics of Automobile Insurance Quotes

Automobile insurance quotes can have a wide range of prices, depending on many variables. Some factors which are commonly taken into consideration when providing insurance quotes include the safety record of the type of vehicle which is being driven and the age and driving record of the drivers themselves. There may be additional discounts granted for other conditions, such as maintaining good grades if you're a student. Another one of the deciding factors for how high your insurance premiums run is the type of coverage you select, whether basic or comprehensive.

What is basic coverage?

Basic insurance coverage usually means the bare minimum which is required by law. These minimums usually vary somewhat from state to state, but will mandate provisions for both personal injury coverage and liability for property damage. Anyone who wants to drive a car on open roads will have to make sure that vehicle is insured, and basic coverage will deliver the least expensive automobile insurance quotes available.

Extra protection

Some drivers may be surprised to learn that their basic coverage doesn't cover everything if they're involved in an accident. For example, since most basic policies only offer liability protection, the damage to your own vehicle is frequently not covered by the bare minimum type of insurance policy. For families who prefer a higher level of protection, adding comprehensive and collision protection will give greater peace of mind. These extras can provide reimbursement for higher levels of physical damage or property damage, as well as higher levels of medical costs. Some policies may also provide coverage for damage to the vehicle which is not the driver's fault, such as during natural disasters or other unforeseeable occurrences.

Which one is right for me?

The level of protection you choose will directly impact your insurance rates. However, the amount you pay in premiums is right in line with the amount of coverage you receive. Paying more for your insurance means you will be better protected. For those on a budget, however, there is nothing wrong with choosing the bare-bones basic coverage plan. And anyone choosing a standard policy for coverage will certainly be able to command the very lowest automobile insurance quotes available.

Lowest Automobile Insurance Quotes on Today's Cars »

Getting low automobile insurance quotes depends on the type of car you drive, as much as your driving record. So if you're in the market for a new car, what do you buy? Learn more from our guide.

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