Liability auto insurance is unique in that it is the only coverage type that is required in most states. There are many ways to get cheap liability auto insurance, and online quotes seem to be the favorite of many. Most reputable insurance companies have websites devoted to getting you quick insurance quotes for your liability auto insurance.
There are two basic types of liability auto insurance. The first is "property damage liability coverage." This covers any tangible item that is damaged in an accident, such as the car(s) itself. The other type is "bodily injury liability coverage." This type of coverage pays any medical expenses that may accrue for the people you injure.
Liability coverage has three main coverage categories that are expressed by numbers, usually 25,50,100. These numbers mean the amount of dollars in the thousands that are used to cover medical expenses. $25,000 to cover a single individual's medical bills, $50,000 to cover a group of people, and $100,000 to cover any damaged property.
Some states also require you to have personal injury protection coverage and uninsured/underinsured motorists coverage. This is in addition to the regular liability coverage. Personal injury coverage is self explanatory, in that it covers your personal medical expenses. Underinsured/Uninsured covers you in the case that you are dealing with a motorist who is either underinsured, not insured at all, or a hit-and-run case.
In order to get the best rate for your liability auto insurance it would be wise to check with your state's insurance department first. Usually each state will have a website devoted to this, so it's as easy as jumping on your computer and checking it out. Their site usually displays the minimum amount of liability coverage that you'll need in order for your car to be legal.
The next thing you should do is visit one of the many insurance comparison websites available online. As said before these websites are devoted to getting you quick and accurate quotes. In some cases, especially if you have a clean driving record, insurance companies will be competing for your business. This is a good position to be in when looking for liability auto insurance.
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