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It soon became clear that the statutes requiring at-fault parties to assume financial responsibility for damages they caused were not adequate to address automobile accidents.
Individual states began enacting laws that required drivers to prove they had the assets to pay for damages if they were at fault.
Eventually, most states passed laws requiring drivers to carry certain types of automobile insurance.
Although each state has different requirements, the amounts of coverage are typically the same for all cars and all drivers within the state.
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In most states, drivers are allowed to choose the types of coverage they wish to purchase. Certain coverages, however, are mandatory.
Vehicle owners typically need to provide proof of auto insurance coverage to register their cars.
In some states, if the Department of Motor Vehicles receives notice that a policy has been canceled, it may revoke the registration or suspend the owner’s license.
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Although it is true that all cars need the same amounts of liability coverage and need to be covered against loss in amounts that reflect the value of the car, insurance rates can vary widely.
Each state has an insurance board or commissioner that regulates insurance companies, but the range in which the rates must fall is quite large.
Obtaining online quotes from a number of different companies is the easiest way to find which company offers the best rate.
Not every company is the least expensive for all drivers, so just because the owner of an expensive sports car finds a great rate at one company, it is not always true that the owner of a family sedan will do likewise.
The driver’s history of accidents and tickets is an important part in determining insurance rates. In most states, insurance companies can also take the driver’s credit history into account when deciding whether to issue a policy.
The more accurate the information entered when requesting a quote, the more accurate the quote will be.
Know what states have the highest auto insurance rates so that you can compare quotes among other quotes for that state.
Liability insurance is typically represented by three numbers, such as “20/40/15,” which state the coverage amounts in thousands.
The first number is the amount the policy will pay for bodily injury to one person injured in an accident for which the policyholder is at fault, the second number is the amount for all people injured in the same accident, and the third number is the amount of property damage protection.
Many people ask why auto insurance minimums vary so much per state, but it is important to know the coverage levels for your state.
Auto Insurance FAQ