car insurance quotes from leading auto insurance companies

• Car Insurance FAQ:
  
  Car insurance is required in all states; the amount of coverage required varies by state. Liability insurance is a must for all car owners. When you go to purchase car insurance, it is smart to know what several terms mean so that you can understand what you are buying. Common car insurance FAQs include:
  
  What is insurance coverage?
  Coverage is the amount the insurer will pay you for an accident or damage claim. These amounts may vary, according to the type of damage incurred, liability/responsibility and the amount of your deductible.
  
  What is a deductible?
  This is the amount you are required to pay towards repairs or damages. The award from the insurance company is reduced by the amount of your deductible. In general, the lower your deductible amount, the higher your monthly premium amount will be, and vice versa.
  
  What is my premium?
  This is an amount, usually collected monthly, that you pay to continue insurance coverage.
  
  What does car insurance include?
  For most persons, car insurance policies include coverage for liability, medical payments, personal injury protection, collision and comprehensive damages. Additional coverage may include rental reimbursement, emergency road service and uninsured motorist insurance.
  
  What is collision insurance?
  This is protection against damage expenses incurred in an accident. This could be car-to-car impact or a single car hitting an object like a tree.
  
  What is comprehensive insurance?
  This protects you against high expenses that might be incurred from a storm, natural sources like sun or hail damage, animals, vandalism or theft.
  
  Do I have to carry car insurance?
  Most states require minimum amounts of car insurance; you are free to purchase higher amounts of coverage if desired. If a person does not qualify for car insurance from a private company, the state should have another option for obtaining insurance. This type of insurance is usually more expensive because those persons are in a high-risk pool of car owners.
  
  Be sure to consult with a registered insurance agent before purchasing a policy. They can advise you on the best insurance package to protect your vehicle and personal needs.
  
  Review car insurance companies at www.car-insurance.org