In this guide-

+ Background on auto insurance
+ What are the important features of auto insurance?
+ How to get the best auto insurance for me?

Background on auto insurance
If you currently own or are considering the purchase of an automobile, you are required by state law to carry auto insurance. Most people choose their auto insurance policy based on price (premium), but there are other important factors that should be taken into consideration when purchasing auto insurance. This web site was designed to help you understand how auto insurance works so that you can get the auto insurance policy that's right for you.

What are the important features of auto insurance?
Auto insurance requirements and policies may vary from state to state, but most auto insurance policies share the same common features. Together, these features offer protection for property damage, damage to the automobile, and injury to any persons involved in the incident.

Liability Coverage
Liability auto insurance coverage is usually considered the most important type of auto insurance coverage, and it protects you against the costs to other persons and/or property in an automobile accident. Liability auto insurance actually consists of two different policies, bodily injury liability, which protects you from the cost of personal injury to others, and property damage liability, which protects you from the cost of damage you cause to any physical property. Liability auto insurance is required by most state auto insurance laws and requires a certain dollar level of auto liability insurance.

Liability auto insurance is usually described by three numbers in a format like: 100/300/100. These numbers are known as the 'split limits' of liability insurance, and in this case they would refer to:

-$100,000 for bodily injury coverage on another person
-$300,000 for bodily injury coverage on everyone
-$100,000 for property damage.

When considering what levels of liability coverage to carry on your auto insurance, pay close attention to the bodily injury liability portion. If you are ever involved in a serious accident, the cost of personal injuries (plus pain and suffering and lost wages) could