Looking for auto liability insurance? Want to know where to get cheap auto liability insurance quotes from reputable companies? Read on …
Auto Liability Insurance
Liability auto insurance is the heart of an auto insurance policy. With the exception of New Hampshire and Wisconsin, all the states require that you have this coverage.
When you’re at fault in an auto accident liability coverage pays bodily injury and property damage expenses for the people you injured. It also pays for their medical bills and lost wages, plus it pays for your legal defense bills and court costs if you’re sued.
Liability insurance is written as three numbers. For example if you live in the state of New York, the minimum liability requirements are 25/50/10. That means you must carry:
* $25,000 worth of bodily injury coverage per person
* $50,000 worth of bodily injury coverage per accident
* $10,000 worth of property damage coverage per accident
Other Coverage You May Want
Collision and comprehensive coverage – Liability coverage does not cover the cost of repairing or replacing your car when have an accident, so you may want to purchase collision and comprehensive coverage.
Collision coverage pays to repair or replace your car when you’re involved in an accident. Comprehensive coverage pays to repair or replace your car when your car is stolen, or when it’s damaged by vandalism, fire, or acts of nature.
PIP (personal injury protection) – This coverage pays for your and your passenger’s medical expenses when you’re involved in an accident. It also pays for your and your family’s medical expenses when you’re hit by a car while walking.
Uninsured motorist coverage – This pays for expenses related to your injuries caused by an uninsured driver, an underinsured driver, or a hit-and-run driver.
Cheap Auto Liability Insurance Quotes
The best way to get cheap liability auto insurance is to go to an insurance comparison website where you can get rate quotes from a number of different companies.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap auto liability insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
By: ryan@thesatellitetvguide.com
Posts Tagged ‘Property Damage Coverage’
Cheap Auto Liability Insurance Quotes – Where to Get Them
December 7th, 2009How to Get Cheap Auto Insurance in Montana
December 5th, 2009Looking to buy auto insurance in Montana? Want to get the cheapest rate with a top company? Here’s how to do it.
Montana Auto Insurance
In order to drive in the state of Montana, you need to have liability insurance. This pays to repair damage to the other person’s car, plus pay for any medical bills they incur and court awards for “pain and suffering” when you cause an auto accident.
The minimum liability coverages Montana requires are:
1. $25,000 worth of bodily injury coverage for one person involved in the accident.
2. $50,000 worth of bodily injury coverage for all people involved in the accident.
3. $10,000 worth of property damage coverage for the other person’s personal property.
Liability coverage is the most important part of your auto insurance policy, and is the only coverage you need to drive in Montana. You may, however, want to purchase additional insurance to make sure you’re totally covered.
Additional Insurance Coverage
* Collision coverage pays for repairs to your car no matter who was at fault in an accident. You can save money on this coverage by raising your deductible to an amount you can afford to pay if you were to have a claim.
* Comprehensive coverage pays for repairs to your car caused by fire, theft, vandalism, storms, or hitting an animal. You can save money on this coverage, too, by raising your deductible.
* Personal injury protection pays for bodily and property damages done to you and your passengers by another driver. You can save money on this coverage by eliminating it if you have medical insurance that already covers you.
* Uninsured motorist coverage pays for bodily and property damages done to you and your passengers by uninsured, underinsured, or hit-and-run drivers.
Get Cheap Auto Insurance in Montana
The best way to get the best price on anything is to comparison shop, and this is especially true when it comes to auto insurance. Premiums from one company to the next can vary by hundreds of dollars for the same insurance, so it pays to compare rates.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap cheap Montana auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
By: ryan@thesatellitetvguide.com
