Don’t overpay or underinsure. Learn what auto insurance coverage you actually need—and how to get it at the best price.

Auto Insurance Can Be Confusing—But It Doesn’t Have to Be

You need it by law. But what kind? And how much is too much? Let’s make auto insurance simple (and cheaper) to understand.

Types of Auto Coverage (Plain English Edition)

• Liability: Covers others if you cause an accident (required)

• Collision: Covers your car if you crash

• Comprehensive: Covers theft, weather, vandalism

• Uninsured Motorist: Covers you if the other driver has no insurance

How Much Coverage Should You Carry?

• Check your state’s minimums

• Most experts recommend more than the minimum, especially liability

• If your car’s old: consider skipping collision coverage

Tips to Save on Auto Insurance

• Bundle with renters/home

• Ask for low-mileage or good driver discounts

• Compare quotes yearly

• Raise your deductible (if you can afford it)

Conclusion: The Right Coverage = Legal + Smart

Auto insurance isn’t just a legal checkbox—it’s a crucial layer of financial protection. Get what you need, skip what you don’t, and shop smart.