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Choose your auto insurance limits and deductibles wisely. Your auto insurane coverage is meant to protect you if you're involved in an accident. Here are some reasons why you should be comparing auto insurance limits and deductibles when you shop for auto insurance:

Auto insurance limits explained
Your auto insurance limits represent how much coverage you have available in a loss. For example, if your bodily injury limits are 100/300, the first number, $100,000, represents the maximum amount of bodily injury liability that will be paid out for any 1 person injured in an accident. The second number, $300,000, represents the maximum amount of bodily injury liability that will be paid out for all injuries in any 1 accident.

Note that if you carry the minimum auto insurance requirements for your state, your limits are much lower than the example above and so is your auto insurance protection. Typically the cost for higher auto insurance limits is only a few dollars more. When you start comparing auto insurance quotes at Esurance you can see for yourself.

Auto insurance deductibles explained
Your auto insurance deductible is the predetermined amount you agree to pay when you file certain auto insurance claims. Most people typically choose either a $500 or $1000 auto insurance deductible. The higher your auto insurance deductible is, the lower your overall premium will be. However, if you have to file an auto insurance claim, and you have a $1000 deductible, you'll have to pay that amount out of pocket.

Compare auto insurance limits and deductibles
The auto insurance limits and deductibles you choose directly affect the cost of your policy. That's why it pays to compare limits and deductibles when you're shopping for auto insurance.

While you're visiting Esurance, get as many auto insurance quotes as you like to help you make an informed decision. And if you're not sure what coverage and deductibles are right for you— try Esurance's Coverage Counselor, an interactive auto insurance planning tool.