The Minimum Requirements of Driving in the USA
Finding cheap car insurance quotes can be a difficult task, particularly if you’re a first time buyer. The auto insurance market can be a daunting, scary market, full of big figures and statistics, and it’s still an industry thriving in growth, and will continue to do so for years. Despite the fact that there were over 17 million reported car crashes in the USA last year, amounting to over $91 billion in costs, auto insurance companies still made money. This is good news for you, as companies won’t be force to raise their prices sky-high to pay for their costs.
There are only 3 things that you absolutely must make sure that your auto insurance policy covers (i.e. your minimum requirements), by law, in (most parts of) America. Firstly, you need to have single-person minimum liability coverage of at least $20,000. You also need multiple person liability coverage of $40,000, and finally, $15,000 in cover for property damage. Once you have a car insurance policy that contains all of these things you can legally drive in the United States.
There are optional extras that you can include in your policy, such as comprehensive insurance. This means that you are insuring yourself, as well as other third party drivers. If you just have the basic insurance, you cannot make a claim if the accident was deemed to be your fault, and not the driver that you crashed into. Comprehensive car insurance covers you both ways.
When looking for car insurance online (which is by far easier, better and cheaper then looking offline in the ‘real world’), your first stop should be to look on a local car insurance comparison website. These sites specialize in collecting a list of all of the local insurance agencies. Once you’ve entered your information, it’ll look through each of these sites automatically, and return to you the best quotes for you.
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