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Free Online Auto Insurance Quotes
When reviewing your free online auto insurance quotes, it is important to ensure that you have enough coverage in the event you are involved in an accident that results in damage and/or injury. The minimum amount of liability coverage a driver needs to carry varies by state.
Having just the bare minimum is normally not enough insurance coverage and you run the risk of being underinsured. Being underinsured means that you could be personally liable for the amount of damage and injuries that exceed the liability limits set forth in your auto insurance policy. In addition, when you finance or lease a car your contract will specify the minimum amount of auto insurance that you will need to have until the car is paid off. Therefore, it is always in your best interest to have adequate auto insurance coverage to protect yourself against the unexpected.
Some states, like Florida, New York and New Jersey for example, have what is called a “no fault” system. This essentially means that each driver’s insurance company will pay their own claims regardless of who caused the accident. While this type of system results in less litigation your insurance premium may increase as a result of an accident even though it was caused by someone else. Drivers should be especially careful when driving in no-fault states.