Comprehensive Car Insurance Online Quote

 Comprehensive Car Insurance Online Quote

What is car insurance?

Car insurance covers damage to your car and protects you financially if you are responsible for someone else's injuries or damage. 

Car insurance can also pay medical bills if you or your passengers are injured in an accident or if you are hit by an uninsured or uninsured driver. 

Your policy protects you up to certain limits, agreed between you and your insurance company.


Comprehensive Car Insurance Online Quote


Do I need car insurance?

Car insurance is required in all states except New Hampshire (New Hampshire still requires financial responsibility if you cause an accident, so you'll want to be properly insured). 

Driving without insurance can result in a fine, license suspension, or even imprisonment. Progressive, and most other insurers, will ensure that any policy you select meets the requirements of your state.

What does car insurance cover?

Car insurance covers a variety of accidents that can occur on or off the road. Although the coverages may vary from state to state, these are the standard coverages for most auto insurance policies:

Responsibility

Auto liability coverage is required in 49 states. If you are at fault in a car accident, general liability coverage can cover damage to other vehicles, damage to objects, injuries to other drivers and their passengers, as well as legal proceedings if you are sued for an accident.

Full

Comprehensive coverage protects against damage to your vehicle due to events beyond your control, including theft, windshield, glass damage, vandalism, falling trees and more.

Collision

Collision coverage covers your vehicle if it overturns or collides with another vehicle or object, including trees, railings and fences.

Medical Payments / Personal Injury Protection

Medical payment coverage is offered in most states, while Personal Injury Protection is broader coverage that is only available in states that require it. 

Both cover medical bills if you or your passengers are injured in a car accident regardless of fault.

Personal injury and property damage for uninsured/uninsured motorists

I can pay for injuries to you and passengers when you are hit by a driver without insurance or with adequate coverage. 

USD can pay for the repair or replacement of your car if it was damaged in an accident with an uninsured or underinsured driver.

Other optional covers

Includes car rental repayment, loan/lease repayment (also known as GAP coverage) and Roadside Assistance.

Explore more car insurance coverage options with progressive.


What does car insurance not cover?

A basic car insurance policy will not cover wear and tear, people who drive your car regularly but are not listed on your policy and driving on a ride-sharing platform. 

However, sometimes you can add coverage or buy a separate policy or warranty to cover things that your auto policy does not cover. For example, you can add ride-sharing coverage to your Progressive Auto Policy.

What is the price of car insurance?

Insurance companies take many factors into account when pricing your car policy, including your age, driving history, location, and vehicle type. 

Learn more about the cost factors of car insurance and the average cost of car insurance.

What is the car insurance premium?

Your car insurance premium is the amount you pay your car insurance company for coverage. You usually have the option to pay your premium monthly or in full.

What is a car insurance discount?

Your deductible is the expense you pay before your insurance company covers your claim.

For example, you have a discount of $500, you hit a telephone pole and your car repair costs $2000. 

You will pay $500 and your insurance company will pay the remaining $1,500. You can choose the amount of your discount from the options offered by your insurance company.

The higher your deduction, the more you are responsible for the costs of the claim. This means that your direct costs will be higher, but you will have a lower total rate, and vice versa.

Does auto insurance cover maintenance?

Car insurance does not cover maintenance, mechanical failures and wear of your car. If your vehicle is disabled anywhere in the U.S. or Canada, progressive roadside assistance coverage may pay to tow to the nearest mechanic.




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