One of the hassles about owning a car, is having to pay for auto insurance. Auto insurance costs more than smog inspections, car registrations / renewals and taxes. At AutoHookups.com, we strive to look for the most affordable and top rated auto-insurance providers that you can rely on. The providers you will find on our site offers the best offers you can get for the price that you pay for.
Auto insurance is an essential service that every driver should have. Auto and vehicle insurance is used to provide protection against liability and losses as a result of traffic accidents. Auto Insurance would protect you, and others from financial ruin in the event of an auto accident. In the United States, it is illegal to drive without insurance. It is mandatory for every driver to have valid auto insurance coverage while driving behind the wheel. Driving without insurance would not only put you, but others at financial risk in the case of an accident.
The Two Types of Auto Insurance
Liability / One-Way Insurance
Liability insurance is the minimum type of insurance that meets the insurance requirements in the United States. Liability insurance covers only the damage on someone else’s car and injury, for whenever you are at fault. This will not cover your own vehicle or damages, but will save you from the expenses owed to the person and their vehicle you are at fault with. Liability insurance will pay for damages you do to others, including bodily injury and property damage. It would also cover your legal bills if you cause an accident.
Full Coverage / Collision and Comprehensive coverage
Unlike liability insurance, full coverage will back you up by covering the repair your own vehicle in the event of an accident where the owner is at fault. If the cost of damages to your car costs more than 70% of the market value for your car, the insurance company will offer you actual cash value for your car. Full / Comprehensive coverage also can cover your car for accidents that weren’t caused by you, such as not-at-fault accidents, and factors such as theft, fire, vandalism, natural disasters, and collisions with animals. In many states, comprehensive coverage would include free windshield protection and glass replacement with no extra deductible.
Below is a list of the most reliable and affordable auto and vehicle insurance providers we recommend:
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