United States
United States
Auto owners insurance is more about protecting you and your hard-earned assets than it is about protecting your car. That’s because your greatest risk as a driver is in causing injury to another person or damaging someone else’s property.
We all know that car accidents can cause severe injuries, but the cost of treating those and the added compensation for pain and suffering can severely injure your financial health. In fact, without proper coverage, those costs could consume everything you own. Get the protection and security you need with auto owners insurance.
Before your buy any auto policy, it is very important to understand the type and extent of coverage it provides and if the policy will give you the protection you need. Don’t get caught short with inadequate insurance.
Learn about how auto insurance rates are determined and get a better appreciation of what factors influence your premium and what you can do to reduce it and keep it low. Various discounts can save you even more.
If you would like to know more about how the legal system for car insurance operates in your state you might want to review our section on auto insurance laws. Do you live in a tort liability state or a no-fault state?
In addition to our website, there are several other sites which can help you with your insurance. Here are some websites which we recommend:
The consumer website Insure U Online, which is operated as a community service by the National Association of Insurance Commissioners, contains a resource library with both short and full-length guides on car insurance. The site features ‘101 courses’ on auto and other types of personal coverage. These have been structured for life situations such as those who are young singles, young families, established families, and seniors.
The Insurance Institute for Highway Safety is a nonprofit organization dedicated to reducing losses from crashes on the nation’s highways. It strives for this goal by scientific studies of insurance loss data. Among other things, the Institute operates a Vehicle Research Center which intentionally crashes cars in order to test them for safety and to rate them for buyers.
The Insurance Information Institute publishes a range of articles on all types of consumer coverage. The site explains the basics of car insurance, including how to buy a policy.
A related organization, the National Highway Traffic Safety Administration, publishes a wide and topical range of driver and vehicle safety tips and articles, and the latest research data. It is an excellent resource for using non-insurance methods for reducing or avoiding risk.
United Policyholders, a national organization, maintains a consumer rights website which provides free help and advice on a range of insurance issues, particularly relating to fair claims settlement. It covers auto owners insurance and other types of consumer policies.