Car insurance is a must in all states. But whether it is mandatory or not, it is very important to have car insurance so that you are covered in the event of an accident, especially if you are liable for the accident. Online auto insurance quotes will help you find the best company to get your car insurance with the options that you need.

There are typical coverages that you cannot eliminate from your policy and there are extra coverages that you can add. The choice will determine the amount you will pay per month or per six months. You also have a choice between online car insurance companies or brick and mortar companies. You will often find that the online car insurance companies are able to offer you greater discounts than the brick and mortar companies. One of the reasons for this is not having the overhead of a physical office which would be rented at commercial real estate prices.

Let’s look at online auto insurance quotes. First you have bodily injury liability that has to be at least $25,000 to $50,000 in most states. There are a few states that will require a larger limit, which the online quote will let you know. To save money on an insurance quote, you will want to choose the least amount of limits for all coverages. The only downside is you will not be covered for more than that limit.

The reason behind having bodily injury liability is that you are covered for the accident or death if it is your fault. This means the insurance company will pay the costs for a lawyer and damages to the injured party so that your home, car, and other assets will not be touched in case of a lawsuit. Other coverages that you have to have included are property damage, medical payments, uninsured and underinsured motorist, and uninsured motorist property damage. In some states you can decline the last two options, but this is very rare, especially with new laws being created. Again the amount of coverage you take will create the online auto insurance quote that you will receive.

You can always make your online auto insurance quote less by taking the minimum coverages. Let’s look at the additional options of coverages. Comprehensive and collision will cover in case of theft, auto damage from wildlife, flood, and vandalism. This is the reason why loan and lease companies require these coverages. They want to make sure that the vehicle has full coverage in case you can no longer pay the monthly payments. If you own your car then you can save money by declining these coverages. Other coverages include rental reimbursement and emergency road service. If you do not have AAA or another type of coverage for these you may consider the $10 extra to be worth it. On the other hand if you are wishing to save money in any way you can on your online auto insurance quote you may opt out of these.