Stop overpaying for car insurance.

What coverages do you actually need?

Every state requires minimum liability coverage, but minimums rarely cover everything. Here's what each type protects:

• Liability: Covers damage and injuries you cause to others. Required in almost every state — but minimums are often too low to protect your assets.
• Collision: Pays to repair or replace your car after an accident, regardless of fault. Required if you have a car loan or lease.
• Comprehensive: Covers non-collision damage — theft, weather, fire, falling objects. Also required by most lenders.
• Uninsured Motorist: Protects you when the other driver has no insurance. Strongly recommended — 1 in 8 drivers is uninsured.

How to get the lowest rate

Auto insurance rates vary by 40–60% between carriers for identical coverage. The biggest levers: shopping multiple carriers, raising your deductible, bundling with home insurance, and asking about every discount your carrier offers. Most insurers offer good driver, low-mileage, and safety feature discounts — but you have to ask.