You will get a personal report that lists up to 25 of the lowest priced policies for you. Then you compare and chose the one you want to get the best deal on your auto insurance. On the other hand, an insurance company can deny you coverage or charge you substantial premiums if you have a poor driving record. When calling insurers to request price quotes, a checklist of information will come in handy, see Auto Information Checklist . Although certain minimum coverages are mandatory in most states, the amounts of such coverage vary among policies.
Most coverages are discretionary.
Therefore, you should choose your coverage carefully to avoid being over insured, resulting in unnecessary premium costs. Medical protects you against medical costs for injuries to you and other riders in the car. Your policy will show the total amounts of bodily injury, liability, and property damage coverage. The amount of coverage you choose will depend on the state s minimum requirements, the replacement cost of your vehicle, and how much medical coverage you already have under other policies. It may pay to absorb the cost of fender-benders yourself.