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You love your car, but you don't love the high cost of auto insurance. You're not alone. Millions of people out there are looking to save money on their vehicle coverage and get better deals by shopping around. The problem is that finding a reliable comparison website can prove difficult. It's tough to know which websites are reputable and which aren't. In this article, we'll explain the basics of auto insurance and then take a look at some of the best sites on which you can compare quotes. When you're ready to shop around, the first thing you'll need to do is figure out what sort of coverage you need. A typical car insurance policy offers three layers of protection: Collision If your car is damaged in an accident, this coverage will cover the cost of repairs. If your car can't be fixed or is totaled, collision coverage will pay out up to the value of your vehicle (minus any outstanding loans). This coverage also includes "compensation for loss of use" which covers things like rental cars and lost wages. Importantly, it's important to remember that collision coverage is optional in some states. If you want collision coverage, you'll need to cover it yourself. This is also true of uninsured motorist coverage, which we'll discuss later. Comprehensive If your vehicle isn't damaged in an accident but is still stolen, vandalized or destroyed by a natural disaster such as a tornado or hurricane, this coverage will pay out the cost to replace the car. Uninsured/Underinsured Motorist (UM) Insurance This small amount of coverage typically covers property damage and personal injuries if your car is hit by another driver who does not carry UM insurance and does not have enough insurance to pay for all of your damages. This is true even if the driver fails to show proof of their own insurance. UM coverage is important because it can help provide financial stability when you rent a car or need to replace your vehicle in the event of an accident. What type of coverage should I get? If you've never bought auto insurance before, there are three basic types of coverage that you'll probably want: The "bundle" option You can usually get this type of coverage by taking out a whole-car policy with one company that covers both your car and all its contents. You'll then be able to select exactly which parts of your coverage need changing. The downside to this approach is that it's usually more expensive than other options. cfa1e77820
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