Cheap’nEasy Auto Insurance Types
At Cheap’nEasy Auto Insurance, we specialize in helping people get the most affordable coverage they need—fast. Often our customers just need the minimum amounts of coverage to drive legal, but you may be wondering what other types of auto insurance are available. Here are the common types of car insurance. If you think one of these is right for you, call us for a lightning-fast quote today.
State Minimum Coverage
Every state has its own requirements for the minimum amount of auto insurance coverage you must carry to drive legally. Most states set these minimums at a specific amount of liability coverage, but some require additional coverage, and some don’t even require liability at all.
The good news is Cheap’nEasy Auto Insurance specializes in helping customers who need to get just the minimum amount of insurance to drive legal. If that’s what you’re looking for, call us for an instant quote and you can get proof of insurance on the spot.
If you cause a car accident—you’re “at fault”—you are responsible (“liable”) for the cost of injuries or damage involved. Liability insurance pays for vehicle repairs and medical expenses for the other driver. It does not cover your own personal damages.
Most states require some amount of liability coverage to make sure drivers get compensated if they are in an accident caused by someone else. The amount of liability coverage varies by state, but there are two basic types of liability coverage: bodily injury coverage and property damage coverage.
Bodily injury coverage pays for the medical expenses related to injuries of another driver or their passengers that you may cause. Property damage coverage pays to repair damages or replace the vehicle of the other person in an accident caused by you.
Comprehensive and Collision Coverage
Because liability coverage only pays for injuries or damages for the other driver or passengers in an accident, many people choose to also purchase comprehensive and collision coverage, which covers more.
Comprehensive coverage, because of the name, might sound like it covers everything related to an accident. But the term actually just means auto insurance coverage that pays for damages to your vehicle that are not related to an accident. Examples of situations commonly covered by comprehensive coverage include:
- Falling objects
- Fire and some other natural disasters
- Theft and vandalism
- Glass damage
- Striking an animal or stationary object
Collision coverage does essentially what you’d expect: It pays for your injuries and damages to your car that result from an accident with another vehicle. Because liability coverage only pays for the other person’s expenses, collision coverage protects you.
SR-22 Insurance Coverage
Some people are required by their state to carry additional certification that they have valid coverage in order to drive legally. Reasons a person might be required to get SR-22 coverage include a DUI/DWI, too many tickets, and causing an accident while driving without insurance. Read more about SR-22 insurance coverage.Underinsured/Uninsured Motorist Coverage
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protect you against the cost of injuries you might have in an accident with an uninsured or underinsured driver.
Because many people drive without insurance or not enough insurance, many people choose to purchase UM/UIM coverage to protect themselves. Some states require drivers to purchase UM/UIM coverage, but most do not.
If you think this coverage is right for you, we can help. Make sure you ask your Cheap’nEasy insurance agent about it what types of coverage you think you need.