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SelectQuote helps customers save on average $757 by bundling their home and auto insurance.*

Consider bundling your home and auto insurance policies with the same carrier to save even more money.

A woman searches for car insurance on her laptop and learns how she can save time and money with the help of SelectQuote

Auto Insurance

Purchasing auto insurance is a smart way to protect one of your most valuable assets and securing adequate auto insurance coverage at a low rate is a great feeling. At SelectQuote, we shop policies from top-rated auto insurance carriers to find you the coverage you need at a price that doesn’t hurt your wallet.

What is auto insurance?

Auto insurance is coverage that can protect you from paying out-of-pocket expenses in the event of an accident. These costs can add up quickly, considering the cost of car repairs, damage, medical bills, and legal fees. Car insurance is also required by law, with each state requiring you to have a minimum amount of coverage, depending on where you live.

How does car insurance work?

Car insurance is a contract between you and an insurance company that provides you protection against financial loss in the event of an accident or theft. By paying a monthly premium, the insurance company will help pay for losses outlined in your policy.

Types of Auto Insurance Coverage

Below are the most common types of auto insurance coverage to keep you and your vehicle protected.

Type of CoverageWhat This Coverage Protects...
Bodily Injury LiabilityThis covers medical, rehabilitation and funeral expenses for all injured passengers, including those not in your car, if you were at fault in an auto accident. Bodily injury liability also covers legal settlement fees if you were sued because of an accident.
Personal Injury Protection (PIP or No-Fault)No matter who was at fault, PIP covers most medical expenses, including hospital, rehabilitation and in-home assistance costs, and any lost wages and funeral expenses for you and your passengers as a result of the accident. Certain states require personal injury protection in addition to other types of coverage.
Property Damage LiabilityThis coverage applies when you’re at fault for an accident, and covers parts and labor for car repairs, property inside the other party’s vehicle, and anything you hit. Property damage liability also pays certain legal expenses. Property damage liability does not cover damages to your own vehicle or property.
Uninsured/Underinsured Motorist ProtectionIf you are hit by a driver with no insurance or adequate coverage, this type of coverage pays for medical expenses, rehabilitation and funeral costs for you and any other passengers in your vehicle. It also pays for the settlement of any lawsuits as a result of the uninsured, underinsured or hit-and-run driver. Some states require this type of coverage, while other states consider it optional.
CollisionThis covers any damages to your vehicle—up to and including your vehicle’s cost—if you are at fault in a car accident.
ComprehensiveThis covers damage to your car from an uncontrollable event such as a natural disaster, theft or vandalism.

Type of Coverage

Bodily Injury Liability

What This Coverage Protects…

This covers medical, rehabilitation and funeral expenses for all injured passengers, including those not in your car, if you were at fault in an auto accident. Bodily injury liability also covers legal settlement fees if you were sued because of an accident.

Personal Injury Protection (PIP or No-Fault)

What This Coverage Protects…

This covers medical, rehabilitation and funeral expenses for all injured passengers, including those not in your car, if you were at fault in an auto accident. Bodily injury liability also covers legal settlement fees if you were sued because of an accident.

Property Damage Liability

What This Coverage Protects…

This coverage applies when you’re at fault for an accident, and covers parts and labor for car repairs, property inside the other party’s vehicle, and anything you hit. Property damage liability also pays certain legal expenses. Property damage liability does not cover damages to your own vehicle or property.

Uninsured/Underinsured Motorist Protection

What This Coverage Protects…

If you are hit by a driver with no insurance or adequate coverage, this type of coverage pays for medical expenses, rehabilitation and funeral costs for you and any other passengers in your vehicle. It also pays for the settlement of any lawsuits as a result of the uninsured, underinsured or hit-and-run driver. Some states require this type of coverage, while other states consider it optional.

Collision

What This Coverage Protects…

This covers any damages to your vehicle—up to and including your vehicle’s cost—if you are at fault in a car accident.

Comprehensive

What This Coverage Protects…

This covers damage to your car from an uncontrollable event such as a natural disaster, theft or vandalism.

Car Insurance Protects You From:

Car insurance protects you from costs you could incur from:

  • Damage to your vehicle
  • Hurting someone or damaging property with your car
  • Hailstorm dents
  • An uninsured driver hitting you
  • Injury from a single-car wreck
  • Physical therapy for injuries sustained in a car accident

What does car insurance NOT cover?

Car insurance generally won’t protect you from costs you could incur from:

  • General maintenance
  • Intentional damage
  • Damage from normal wear and tear
  • Loss of personal property inside the vehicle
  • Damage from a natural disaster
  • Damage from other people driving your car

How much does car insurance cost?

There is no fixed cost for car insurance, because everyone’s rates are different. This is due to the fact that auto insurance rates are calculated using a combination of several factors, including:

  • Your age
  • Your driving history (tickets, citations, etc.)
  • Your claims history
  • Make & model of your vehicle
  • If you own, lease, or finance your vehicle
  • What you use your vehicle for
  • Your credit score
  • Where you live
  • State requirements
  • Your marital status
  • Amount of coverage you want
  • Your chosen deductible amount

Auto Insurance Discounts

There are several ways to save money on auto insurance, and there are lots of auto insurance discounts that you may qualify for. Here are some examples of common discounts.

Telematics

Telematics, also known as usage-based insurance, is a program offered by insurance companies that is able to collect information, track driving behavior and often provides discounts for safe driving practices.

Good Driver Discounts

These discounts are based around number of claims filed, number of tickets received, etc. If you can go a few years—typically three to five—without any incidents, you could potentially see a drop in your car insurance premium.

Affiliation Discounts

Being connected or affiliated with a specific group can sometimes provide opportunity for discounts on auto insurance. For example, being a member of the military, your place of work or where you attended college.

Student Discounts

The most common student discount is a good student discount, which is when a full-time student keeps their grades above a certain threshold. College students also can qualify for a student discount, whether it’s grade related or exclusive to the college you’re attending.

Bundle Your Auto Insurance to Save More Money

One of the biggest ways to save money is to bundle your auto insurance policy with your homeowners or renters insurance policy. Combining insurance policies, also known as bundling, earns you a multiple policy discount. You can bundle multiple policies, including renters insurance, homeowners insurance, and multiple vehicles.

On average, home and auto insurance bundles save our customers up to $757 on their policies.* Get started today to see how much you can save when you bundle your auto insurance.

How to Buy Car Insurance

Step One: Decide your coverage.

Evaluate which type of coverage(s) will best protect you and your vehicle. Working with SelectQuote will help ensure that you are getting the coverage you need to protect what matters most.

Step Two: Choose a deductible amount.

Your deductible is the amount you pay before any claim is covered. Choosing a lower or higher deductible amount depends on your situation, but SelectQuote can help decide which one is best for your needs.

Step Three: Let SelectQuote do the work.

Instead of shopping rates from dozens of carriers by yourself, SelectQuote can shop top-rated carriers in just minutes.* This can save you time, money, and stress when it comes to securing an affordable auto insurance policy.

Learn More About Auto Insurance with Additional Resources

If you’re looking for more information around additional coverage types or you’re interested in calculating your auto insurance needs with our coverage quiz, SelectQuote can help. We can help answer your auto insurance questions and make sure you’re covered. Learn more with our auto insurance resources.

Four Tips for Buying Car Insurance

Three Steps to Handle a Fender Bender

Six Steps to Handle an Accident with an Uninsured Motorist

Get Started with a Free Auto Insurance Quote Today

At SelectQuote, we understand the pain points and frustrations that come with shopping for auto insurance. That’s why we’ve made it easier to shop and save, by comparing auto insurance rates from dozens of top-rated carriers on your behalf to find you affordable coverage.* It only takes a few minutes to fill out our online quote form to see how much you can save today.