General Auto Insurance Information.

You've spent time researching cars to choose the right one for you, one that fits your driving needs and is one you can afford. Now it's time to understand the different types of general auto insurance that are available, so you can choose the right policy that fits your budget. And we're here to help with some general auto insurance information.

Learn how auto insurance rates can vary depending not only on your driving record, but where you live, your credit rating and other factors. Understand how to break down a policy, looking at each piece of coverage and deductible. This will help you to decide how to choose auto coverage that's designed for the way you live and drive.

Whether you're curious to know if you're getting the best rate and quality of coverage with your current policy, or if you're shopping for a new car and need a new policy, it's smart to stay informed. This gives you the confidence to know if you're getting the best deal and have the right auto insurance coverage that meets your need.

NetQuote can help you understand general auto insurance by suggesting ways to lower cost of your insurance and ways to shop for auto insurance.

Choosing Coverage - Why buy general auto insurance?
In most states, auto insurance is required by law. If you are in an accident and you are at fault, you could be legally responsible for bodily injury or property damage caused by that accident. You could be sued and a court could order that your assets be taken to pay the liability claim. Even if you feel you were not at fault, the costs of defending yourself against a legal action could be very high.

Types of Coverage: Unless you have an accident, you will never see the benefits of general auto insurance. You'll never know if and when you might be in an accident, how much damage there might be or if the other party will be insured.

To choose what types of coverage you need and to get general auto insurance information, please see our auto insurance glossary.

Factors Affecting Your Insurance Premiums

  • Age, gender and marital status
  • Coverage limits
  • Driving Record
  • Household members
  • Location
  • Type of vehicle
  • Credit history

You can use discounts to reduce your premiums. Be sure to ask about possible discounts when buying or renewing your general auto insurance policy. Not all companies offer all of the discounts listed here, and some companies may offer other discounts. Looking at the general auto insurance information a company will offer should show you some of these discounts, which might look like these:

  • Anti-theft devices
  • Auto/Home packages
  • Good Driver
  • Good Student
  • Low annual mileage
  • Multiple vehicles

Shopping for the Best Value - Getting Rate Quotes
When you look for general auto insurance information, compare prices among companies and be sure to compare the same coverages. Ask about the types and amounts of discounts offered and whether the rate quote includes discounts. A rate quote from an insurance agent/producer is only an estimate of what you'll pay for the insurance. For this reason, it's a good idea to ask for a non-binding application before you switch auto insurance companies. Your new agent can submit the application for you at no charge. The agent can then let you know if the company will insure you and at what price before you decide to cancel your current policy.

See how much you could save today on your car insurance. Get your free auto insurance quotes today!