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Health Insurance

How do I sign up for insurance? Am I eligible for subsidies? Get answers to these questions and more with our Health guides.

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Medicare

Medicare can be complicated. Explore our guides to basic coverage, supplement plans, Medicare Advantage, and more.

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Life Insurance

We break down barriers to understanding life and final expense policies. View guides or read reviews of popular plans.

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Auto Insurance

We've done the work to learn what goes into auto insurance. View guides to getting the best rates or browse provider reviews.

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Homeowners insurance doesn't work like you might think - we've done our homework to understand the policy options and benefits out there. Start by scouting your options, or viewing our reviews.

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Types of Auto Insurance Plans

• Auto Insurance » Types of Auto Insurance Plans

No matter which auto insurance company you purchase coverage from, it’s important to understand the type of auto insurance plans available so that you make sure to purchase the right amount of coverage that works for your needs. In general, your car insurance will cover damage, vandalism, and theft of your vehicle. The other elements of your policy will determine which other types of coverage you have:

Liability Insurance

Liability insurance covers damage that you cause to others in a car accident when you are at fault, including vehicle repair costs and medical bills from any resulting injuries. However, it doesn’t cover the damage to your vehicle. Most states will have a minimum coverage amount, so it’s important to determine what the laws are in your state so that you are adequately covered. Liability insurance above the minimum requirement helps provide extra protection for damage caused by an accident that is your fault, which helps minimize out-of-pocket costs as you are responsible for claims that exceed the limit of your coverage.

Collision Coverage

Collision coverage pays for repairs to your vehicle in the case of an accident. If your car is totaled during the accident, or the repair costs exceed the vehicle’s value, then this type of coverage will pay for the value of your car. Individuals with newer or more expensive vehicles are recommended to purchase this type of coverage. If you have a lienholder, then this type of coverage is required.

Comprehensive Insurance

Comprehensive insurance covers you if something happens to your car that’s unrelated to an accident. For example, if a tree branch falls on your vehicle, there is weather damage, your car is stolen, or you hit an animal, comprehensive coverage ensures that you can cover repair costs. If you are a lienholder, this type of coverage is required for your policy.

Personal Injury Protection (PIP)

Personal injury protection (PIP) is recommended for everyone if available in their state. This type of coverage helps pay medical bills, lost wages, and other damages for the individual and their passengers in the case of an accident, no matter what party is at fault. PIP coverage is required in no-fault states as it protects the driver regardless of who is legally liable.

Uninsured/Underinsured Motorist Insurance

Though state laws mandate that all drivers should be insured, there are still uninsured motorists on the roadways. If you are in an accident and the other party is at fault, you will not receive any payment if they don’t have coverage or you may receive less than you need if they have limited coverage. For this reason, uninsured or underinsured motorist protection helps cover your expenses when your damages exceed the other driver’s coverage amount.

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