It is very easy these days to get car insurance quotes online. The part that isn’t easy is comparing quotes and determining which one offers the types of coverage you need most at a reasonable price. To get started, you’ll need to fill in a few details and hit the “submit” button. The types of details you are expected to provide vary from site to site. Experts recommend comparing at least three offers before making a final decision. Also, review your current policy. It is very possible that it will continue to be the best option for you.

If you want to add another person to your policy, such as a teenager or your spouse, be sure to add their details as well when requesting quotes. What type of coverage do you need? Most states require drivers to have some type of auto insurance. Find out what the minimum requirements are for your state. Even if you think you already know, double check to make sure nothing has changed since you last bought an auto insurance policy.

Most states require, at a minimum, that drivers carry liability insurance. When contracting this type of insurance, the coverage limits are usually indicated by three numbers. The first number refers to the maximum bodily injury (in thousands of dollars) for a person injured in an accident. The second number refers to the maximum liability for each injury caused in the accident, and the third number indicates the maximum liability for property damage. Keep this in mind when trying to get auto insurance quotes online.

Get car insurance quotes for PIP

Another thing to consider is personal injury protection (PIP). This is essential if you play a significant role in your family’s finances. If you end up seriously injured and in the hospital and unable to work, and then have to pay medical bills on top of that, then your whole family is in trouble. PIP is definitely an important coverage to have.

Do you need comprehensive coverage? If you have a cheap old vehicle, you may not have it. This type of coverage reimburses you if your vehicle is seriously damaged in an accident or stolen. If it’s not worth much anyway, then it could be a waste of money to pay for a full coverage policy. You’re better off taking the risk then paying the deductible if it’s damaged.

Now that you know some of the important things to look for when getting auto insurance quotes, you can head over to esurance and see your options. There are tools to help you choose the best car insurance plan, like “Coverage Advisor” and “Compare Car Insurance.”