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Definition of Online Car Insuance Quotes Comparison

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Online Car insurance quotes comparison is a vital part of shopping for auto insurance. After all how can you be sure that you are getting a good deal without comparing prices. AutoCarInsureComparison.com is designed specifically to help American drivers to find the quotes they need. Enter your Zip Code and we will find the best and the cheapest car insurers in your area.

Most people know, they need to do auto insurance comparison while shopping for coverage for their automobile. However, it is too easy to get overwhelmed with the number of car insurance companies available. This is where we come in and help you out. We provide you with a short list of the car insurance companies that have a track record of providing low cost insurance prices. Not only that, we also make sure that these companies provide high-quality service and will be there for you in case of any mishap or accident.

To maximize your savings, it is recommended to learn the basics of car insurance. There are three main types of car insurance coverage: liability, comprehensive and collision. Wikipedia gives great definitions to these types of coverage:

Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction. Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge.

An example of property damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company), depending on the jurisdiction. An example of bodily injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdictions, the third party would first exhaust coverage for accident benefits through their own insurer (assuming they have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) under the insured driver’s (or first party’s) policy. If the third party sues the insured driver, liability coverage also covers court costs and damages that the insured driver may be deemed responsible for. If a state requires liability coverage, both parties are usually required to bring and/or submit copies of insurance cards to court as proof of liability coverage.

Collision coverage provides coverage for vehicles involved in collisions. Collision coverage is subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable or totaled. Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until the car is paid off. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the term used by rental car companies for collision coverage.

Comprehensive, also known as other than collision, coverage provides coverage, subject to a deductible, for cars damaged by incidents that are not considered collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of comprehensive losses.

Additionally, the majority of insurance companies list “Acts of God” as an aspect of comprehensive coverage. By definition, it includes any events or occurrences that are beyond human control. For example, a tornado, flood, hurricane, or hail storm would fall under this category.