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Affordable Auto Insurance

Find the best auto insurance plan for your car

What types of coverage are typically included in auto insurance policies?

Auto insurance policies usually include several types of coverage, such as liability coverage (for bodily injury and property damage), collision coverage (for damage to your vehicle in a collision), comprehensive coverage (for non-collision-related damage like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) or medical payments coverage.

How are auto insurance premiums determined?

Auto insurance premiums are calculated based on various factors, including your driving record, age, gender, location, the type of vehicle you drive, your credit score, the coverage limits and deductibles you choose, and sometimes even factors like marital status and occupation. Insurers use these factors to assess the level of risk you pose as a driver and determine the appropriate premium to charge.

Do I need auto insurance if I lease or finance a car?

Yes, most leasing and financing agreements require you to maintain comprehensive and collision coverage on the vehicle until it is fully paid off. This is to protect the lender’s financial interest in the car. Additionally, most states mandate that drivers carry at least a minimum amount of liability insurance coverage.

Can I add additional drivers to my auto insurance policy?

Yes, you can typically add other licensed drivers to your auto insurance policy, such as family members or household members who share your vehicle. However, adding additional drivers may affect your premiums, especially if they have a poor driving record or are considered high-risk drivers.

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AxQuotes.com does not offer every plan available in your area. Currently, we represent 43 organizations which offer up to 3,745 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all of your options.

Not all plans offer all of these benefits. Availability of benefits and plans varies by carrier and location. Deductibles, copays, coinsurance, limitations, and exclusions may apply.

The information provided on this site has been developed by AxQuotes for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.

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