Hi, my name is Brian Stevens. I am a former insurance agent and financial consultant and I am going to show you how to get minimum auto insurance coverage at the cheapest rate. The minimum auto insurance coverage you need to drive your car varies from state to state. In most states, you need to have liability insurance while a few states also require you to have personal injury protection and uninsured motorist coverage.
You can find what your state requires by going to your states department of insurance website. Liability coverage, liability coverage pays claims made against you, your family or someone driving with your permission for property damaged, physical entry and death. Liability coverage is expressed by three numbers. The first two numbers refer to battery injury coverage while the third number refers to property damaged coverage.
So, 15-30-10 means $15000 coverage for one person injured in an accident, $30,000 coverage for all persons injured and $10,000 coverage for property damaged.
Personal injury protection coverage, personal injury protection pays your medical expenses and your passenger’s medical expenses when you have an accident. It also pays you and your family’s medical expenses if you are involved in an accident in someone else’s car.
Uninsured motorist coverage, uninsured motorist coverage pays for injuries or property damaged to you or your family and passengers caused by an uninsured driver and under insured driver or hit and run driver.
The quickest and easiest way to get minimum auto insurance coverage at the cheapest rate is to go to an auto insurance comparison website. In just a couple of minutes you can get the cheapest quotes from top rated companies. It is fast. It is easy and it is free.
Visit lowerratequotes.com or if you are on You Tube click on the lower rate quotes link to the right of this video to get auto insurance quotes from top rated companies and see how much you can save. You can get more tips and advice in their article section and get answers to your questions plus get tips on how to lower your premium from an insurance expert by using their online chat service.
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