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What Is Car Insurance?

A car insurance policy is a collection of coverages that help protect drivers and their property when they’re on the road. There are many types of coverage and you can customize your policy to meet your needs.

Liability coverage is required in most states. It pays for damage to other people’s vehicles and injuries. This type of coverage also gives you the legal defense you need in the event you’re sued.

The best way to understand how auto insurance works is to take a look at a car insurance quote. An insurance quote is a cost estimate of the coverages you need. Most insurers offer one or more coverages. You can choose to customize your policy by selecting different limits for each coverage.

If you’re shopping for a new auto insurance policy, you may be wondering what the deductible is. A deductible is the amount you pay out of pocket before the insurer pays out on your claim.

For example, you might want to buy a policy with a $500 deductible. That means the company will pay you $9,500 if you file a claim for an accident, but you will be responsible for the first $500 of damages.

If you’re looking for a more comprehensive type of insurance, you can get coverage for things like vandalism and glass damage. Also, you might need to get some type of roadside assistance. These extras are usually cheap to add to your policy.