Free car insurance quotes are easy to get anywhere in the United States. You have options to call an insurance company directly, call a “captive” agent (agent who only sells one brand of insurance), call an independent broker agent, or get free car insurance quotes online.

However you are most comfortable doing business will help you decide which way is best for you. If you choose to go it alone on the Internet, most companies or broker websites are set up to make sure you get the right coverage for your state, but it helps to know the basics before you start shopping.

Bodily Injury (BI) and Property Damage (PD) Liability Limits

Every state has a minimum liability requirement. The coverage is broken up in three sections that look something like this: 25/50/25.

The first two numbers are the maximum amounts that will be paid out to the injured party(ies) if you cause an accident. The first is the amount per person, the second is the total amount if you injure multiple people. The last number indicates the maximum amount that will be used to repair or replace damaged property like vehicles and structures.

Be cautious. Just because you have the state minimum requirements doesn’t mean you won’t have to come out of pocket for additional costs. As a matter of fact, the lower your limits, the more likely you will have to pay out of pocket. Keep in mind the cost of medical care and the cost of replacing vehicles. It is highly expensive.

If you are a high risk, by all means, start with what you can afford. But as soon as your situation improves, check a free car insurance quote for higher limits.

Uninsured Motorists (UM) BI and PD

While finding free car insurance quotes, you will come across Uninsured Motorists coverage. This does not mean you are paying for someone else to be insured, it means that if some body hits you that doesn’t have insurance, you will have some protection to cover medical and damage.

Personal Injury Protection (PIP) or Medical Payments (med pay)

PIP is required in some states when you seek free car insurance quotes and it includes benefits for lost wages, substitute services, medical ,and death benefits. Some states do not offer PIP, but they do offer Med Pay, which covers medical expenses for you and your riders.

Free car insurance quotes can help stretch your insurance dollar. However, be sure you aren’t cutting out important coverages. It doesn’t make sense to drop from $50,000 to $25,000 if you are only going to save $4 each month. While comparing free car insurance quotes, note differences in rates for higher limits so you may make informed decisions.

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