If you are looking for the absolutely cheapest auto insurance you can buy and still drive legally in your state then what you are looking for is a basic liability policy and nothing more.
Every state makes a low cost basic liability policy available to its drivers, although the dollar amounts of the coverage that the policy provides vary from state to state, and therefore the exact cost of a basic policy also varies from state to state.
In order to find out what the minimum liability protection that you need to buy in order to legally drive in your state you will need to consult with a local auto insurance agent or contact your state s department of insurance.
When you do you will be given three numbers. Those numbers will be on the order of 10/20/10. [The numbers for your state may be different, but they will follow this same pattern]. So what is meant by a 10/20/10 liability policy?
The first 10 is the maximum payment $10,000 this insurance will make toward the medical bills of any one individual in an accident. The 20 is the maximum payment $20,000 that this insurance will make to cover all medical costs resulting from an accident, regardless of how many people are hurt or what the extent of their injuries are. The final 10 in our example is the maximum amount $10,000 that the insurance will pay for property damage. Property damage can cover several things, but you can think of it as primarily repairing the other person s car.
A basic liability policy will not repair your vehicle nor will it pay medical bills for you or anyone in your vehicle.
While a basic liability policy is definitely the cheapest way to go when it comes to buying auto insurance, there are some dangers. If your basic liability policy fails to pay for all of the medical bills or all of the property damage arising from an accident, the unpaid bills may very well become your responsibility and you may have to pay them out of your savings, or by selling any assets your have, including your home.
The trade off for getting the cheapest auto insurance you can find is that you and your assets have precious little protection and it is possible for you to lose everything that you have worked a lifetime to accumulate.
The best place to find cheap auto insurance is online. However, don t think that you can get away with checking out prices on just one price comparison site. If you are really serious about finding the best deal possible on your cheap insurance then you ll want to take the time to fill out the form on 3 different websites. This way you will be assured of seeing prices from almost every company selling it in your state, rather than just a select handful of companies.
That s it. You re done. Just review all of the prices you ve found from all 3 websites and choose the lowest. You can now rest easy every night, knowing that you ve done your homework and you ve saved the most money possible while still driving 100 legally.
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