Auto insurance
Car insurance that fits how you actually drive
Understand liability, collision and comprehensive in plain English, then compare prices for the coverage you really need.
What it covers
The parts of a policy, in plain English
Liability
Pays for injuries and damage you cause to others. Most states require a minimum amount.
Collision
Repairs your own car after a crash, whoever is at fault, minus your deductible.
Comprehensive
Covers theft, hail, flood, fire and hitting an animal.
Uninsured motorist
Protects you when the other driver has little or no insurance.
What affects your price
Why two quotes can look so different
Every insurance company weighs things a little differently, which is why comparing matters. These are the factors that usually move the price most.
- Your driving record and claims history
- The car you drive and how much you drive it
- Where the car is parked overnight
- The coverage limits and deductible you choose
Questions
Common auto insurance questions
How much car insurance do I need?
At least your state’s minimum, but those minimums are low. Many people choose liability limits that roughly match what they own, so one serious accident does not put savings or a home at risk.
Should I drop collision on an older car?
It can make sense when the car is worth little more than a year or two of collision premiums plus your deductible. Compare the car’s value with what the coverage costs.
Will a quote affect my credit?
Insurance companies may use an insurance score in many states, which is a soft inquiry and does not affect your credit score.
My Perfect Insurance Quote is a free insurance education and comparison resource. We are not an insurance company, and we do not sell or underwrite policies. Coverage, prices and eligibility are set by each insurance company and can change. [CONFIRM licensing: add agency or producer licence details here if a licensed partner places policies.]
Ready to compare auto insurance?
Tell us what you want to cover and compare your options side by side. It takes about two minutes, and you never have to give a phone number.
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