As drivers, we want to be protected when we’re on the road, but we also want cheap car insurance. However, not all our auto insurance options are in our hands.
While you do—ultimately—have a choice whether to carry auto insurance, each state has its own minimum requirements when it comes to car insurance. In general, those who own or drive a vehicle need to have:
- Bodily injury liability: This applies when you’re at-fault while operating your automobile. The coverage pays for bodily injury to another person.
- Property damage liability: This applies when you’re at-fault while operating your automobile. The coverage pays for damage to another person’s property.
- Uninsured/underinsured motorist protection: If you’re injured in an accident involving an at-fault driver who doesn’t have insurance or enough insurance to pay for your loss, this coverage can help pay for your bodily i