Why do I need auto insurance coverage?
Whether you have a perfect driving record or a few violations under your belt, you will need auto insurance coverage. Maybe you've just spent way too much money on your new car, and can't afford a lot of auto insurance coverage. Or maybe you feel like your hunk of junk isn't worth insuring at all. Keep in mind, however, that auto insurance isn't just about paying for damages to your own car.
There are several types of auto insurance coverage available to drivers. While collision coverage is available to pay for damages to your own car, liability coverage will pay for damages to another person's property if you are responsible for an accident. If you're ever in this position, liability coverage can save you thousands of dollars and helps you pay the costs of related lawsuits.
Although many auto insurance coverages are optional, in most states liability coverage is mandatory. These states will require minimum levels of coverage, but you should consider buying higher levels, which will afford you greater protection.
Other coverages, such as comprehensive, bodily injury, and uninsured motorist are also available in many states. Take a look at the Esurance Insight, Esurance Offers
Auto Insurance Tips for Your State, to find out more about auto insurance requirements in your state.
Having the right auto insurance coverage makes the post-accident process a lot easier. To get personalized coverage recommendations, pay a quick visit to the
Coverage Counselor®.
This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.