Automobile Insurance Basics

Really understanding your automobile insurance coverage is an important part of being a driver. But making sense of your actual policy can get a little tricky.

This guide:

  • Describes all required automobile insurance coverages

  • Explains additional optional coverages

  • Reviews the contents of an auto insurance policy document

Free Instant Quotes:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies.

Tell us what state you live in:	Are you currently insured:

Understand your automobile insurance

Don't let a lack of information keep you from the coverage you need. Our consumer guide to automobile insurance can really help.


Take a few minutes to learn what actually goes into your policy. It may save you a lot of money and a lot of headaches:


  1. Standard Automobile Insurance describes liability, uninsured/undersinsured, and medical payments coverages.

  2. Optional Automobile Insurance explains collision and comprehensive coverages, as well as optional insurance endorsements.

  3. Understanding your Policy describes the pieces that make up your insurance policy document


Our FAQs section also contains anwers to the most basic questions about automobile insurance. Check out What is Auto Insurance?

If you're sure of the policy you want, apply for online automobile insurance quotes from our recommended providers. You'll get several auto insurance quotes in seconds.

Free Auto Insurance Course!

Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here: