Types of Car Insurance Coverage

Everyone who owns a car has a responsibility to get his or her car insured.  Car insurance is really very essential to protect you in case you are caught in an accident.  A lot of people may be hesitant of getting car insurance because they felt that they do not need it.  In reality, car insurance is really required by the law.  Most states require car owners to have at least the minimum car insurance coverage.  There are actually three major types of coverage.  These are liability, collision and comprehensive.  Liability is a type of coverage when you are the one who is at fault.  This means your insurance can cover the damage you have done to the other person.  This includes damage on his or her car, medical expenses, lost wages, etc.  Collision is a type of coverage that pays the damage on your car whether it is your fault or not.  This type of insurance will pay to fix your car.  Comprehensive car insurance is an insurance that will pay the damage on your car due to natural calamities or if your car is stolen.

Knowing these basic coverages will help you decide what kind of car insurance policy you might want to get.  There are so many car insurance companies that you can find in the web right now.  Of course, you would always want to get the cheapest rate you can avail.  Some websites now have this tool where in you can have different quotations from various car insurance companies.  This device is called car insurance calculator.  This tool will help you compare quotations from different car insurance companies just by simply entering your zip code.  To help you decide the type of insurance you would want to have for your car, you can visit http://autocarinsurancecalculator.com/.