Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.

Get the best deals when shopping for auto insurance in USA. Request USA insurance quotes and compare!


Tips on Getting the Best Deal on USA Car Insurance

Here we go again! It's time to buy car insurance. It seems as though the easiest thing to do would be just renew with the same company and save yourself the hassle. After all, every time you go on the internet there are a million flashing advertisements trying to get you to buy insurance from a particular company. They all claim to have the lowest rates. They can save you hundreds of dollars.

I find it so interesting that they all claim this because it is confusing and it can be done, however your coverage may differ greatly from company to company. If company A gives you very basic coverage and leaves out any upgrades, car towing if you get stuck or in an accident, rental car reimbursement while your car is being fixed or a few items like that, they could probably save you money compared to company B. After all, company B might be including all these things and more, so their coverage could cost a little more, but their coverage could also be a lot better.

To make sure you get the best deal possible and you are covered for everything you need in USA, get quotes from several companies. Get them separately and independently - not from an "insurance mill" that just pumps out numbers. Once you have all your quotes, they will all have pages that show what you are being covered for and what it costs for that coverage. Sit own and compare those prices and the amount of coverage as you would if you were buying a car or house or shopping for a cruise or plane ticket.

If company A is charging you $150 per year for $25,000 worth of liability coverage but company B is charging you $118 per year for the exact same coverage, get out your highlighter and get to work. Compare each section and charge like that and when you are finished, you should know who is giving you the most coverage for the best price.

If you are still not certain, call a trusted friend or agent and have them sit down and go over it all with you.

Whether you are a first time buyer or you have been driving and paying for insurance for years, it can be very confusing to decide who to buy from. Start ahead of time, take your time and do your research. Once you have done this by comparing this way, it will be easier every time you get ready to renew because you will already know what to look for and already know what to do.

Car Insurance Q & A

Question: If someone borrows my car and crashes it, does my insurance apply, or does theirs?
Answer: Generally speaking, the liability follows the car, so your insurance would apply, as it is your car. The liability insurance of the driver often pays the additional amount if the costs payable are above your policy limits.

Question: If a child goes to college with mom or dad’s car, are they covered under the parents’ personal auto policy?
Answer: This can vary from company to company. Check with the insurance provider and make sure that the child is listed as an additional driver. Do this before the child goes to college, and it will avoid unnecessary disputes later on.

Question: Do I need ‘gap’ insurance?
Answer: If your vehicle is on finance, and its value is now less than the amount you owe, then yes you need gap insurance. If you owe less than its value, then no, you do not need gap insurance.