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You can buy car insurance directly from an insurance company, by working with an agent, or by shopping online through a marketplace. A marketplace like ours makes it easier to compare quotes, coverage options, and insurers side by side instead of visiting each company individually.
Choosing the right amount of car insurance means weighing your car’s value, your driving history, and what you can afford to pay after an accident. State minimum coverage may meet legal requirements, but it may not fully protect you financially after a serious crash.
There are a lot of factors to consider when choosing a car insurance policy, like how much coverage you need, what you can afford, and which insurance company to choose.
Liability coverage is an important part of your car insurance policy, and it’s required in almost every state. This type of liability insurance generally helps pay for injuries or property damage you cause to other people, not damage to your own vehicle.
Collision coverage can pay for damage to your own car after an accident, even if you were at fault. Along with comprehensive coverage, it’s part of what constitutes a full-coverage policy. Collision coverage may also be required if your vehicle is leased or financed.
Comprehensive coverage (along with collision coverage) is the other part of auto insurance that makes up a full-coverage policy. Comprehensive coverage can cover damage that’s not caused by a collision, including theft, vandalism, hail, falling objects, or damage caused by animals.
Uninsured and underinsured motorist coverage (UM/UIM) are different but often lumped together. Uninsured motorist coverage can help if the at-fault driver has no insurance, while underinsured motorist coverage can help if the at-fault driver’s policy limits are too low to cover all damages.
Personal injury protection, or PIP, is a type of car insurance coverage that can cover your injuries, lost wages, pain and suffering, and even funeral expenses after a car accident, regardless of fault. PIP is required in some states and optional or unavailable in others.
Medical payments coverage is another car insurance coverage that can pay for your injuries after an accident, but unlike PIP, it’s almost always optional and it’s typically capped at a much lower limit.
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Shopping for coverage from just one company can limit your options. Since every insurer uses its own formula to evaluate risk, your premium from one carrier may look very different from another for the exact same driver profile. Factors like driving history, location, age, vehicle type, claims history, and credit-based insurance score can all affect your insurance rate, but companies weigh those details differently.
Using Policygenius gives drivers a simpler way to compare car insurance quotes from multiple insurers in one place. Instead of filling out forms across several websites, users can review policy options side by side.
It’s also important to look beyond price alone when reviewing coverage. Drivers should compare similar policy limits, deductibles, and protections to get a more accurate view of overall value. A lower monthly payment may come with higher out-of-pocket costs after an accident or fewer protections built into the policy.
Policygenius helps drivers evaluate auto insurance coverage details in a more organized way so they can feel more confident about the policy they choose. From educational resources to quote comparisons, the platform combines shopping tools and expert guidance in one convenient experience.
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"The cheapest car insurance for new drivers depends on whether they’re being added to an existing policy or buying their own coverage."
"A car insurance premium is what you pay for coverage. In general, you will pay higher insurance premiums if you're riskier driver."
"Some factors that affect your car insurance premiums are your driving record, the coverages you choose, your deductible, your annual mileage, your credit score, and demographic factors such as age, gender, and ZIP code."
"You can add licensed drivers who live with you or are related to you to your car insurance policy. Adding a driver to your policy is usually quick and can be done online or over the phone."
"Your motor vehicle report is a record of your driving history, and car insurance companies use it to determine what you pay for coverage."
"Points on your license can make your car insurance more expensive, but only because car insurance companies are looking at your driving record, not because of the points themselves."
"There are lots of ways to lower your car insurance costs with the help of discounts, including savings related to you, your driving, your vehicle, its use, and your policy."
Policygenius provides free quotes tailored to your needs with support from licensed agents, helping you get insurance coverage fast so you can get on with life.
Liability-only coverage is usually the least expensive option because it only covers damage or injuries you cause to others. While it may lower your monthly premium, it may not provide enough financial protection for every driver after a major accident.
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