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When looking for car insurance, you will naturally want to find coverage at the lowest cost. But price shouldn’t be your only consideration.

There are different types of auto insurance policies, each offering different levels of protection. So getting to know the different types can help you find the right policy for your specific needs.

Compare multiple car insurance quotes online

Once you know what type of coverage best suits your needs, you can compare several car insurance companies online using a great site like Cheap insurance.

Look for insurers that tick your boxes, then compare their quotes online to find the cheapest car insurance that covers precisely what you need. Your needs could be one of the following eight types of auto insurance.

1. Motor vehicle liability insurance

Automobile liability insurance covers vehicle repair costs and medical expenses after an accident for which you are at fault. It does not cover passengers. Almost all US states require drivers to have this type of car insurance.

2. Full car insurance

If your car needs to be repaired or replaced unexpectedly, it can be a difficult cost to cover if you don’t have the right insurance in place. That’s why you should consider taking out all-risk car insurance.

It covers damage to your vehicle that is not caused by an accident. Including natural disasters and acts of vandalism.

3. Motor vehicle collision insurance

Likewise, if you think you won’t be able to afford to repair or replace your car when it sustains unexpected damage, you should consider getting car collision insurance.

It covers damage caused to your car following an accident with another car or a collision with a stationary object.

4. Protection against personal injury

Personal injury protection covers medical expenses for you and all passengers in your car after an accident.

Although PIP is only required in twelve states, you should still consider getting it because it can protect you from receiving unexpected and costly medical bills.

5. Coverage of medical payments

Better known as MedPay, the medical expenses cover also covers medical expenses for you and your passengers involved in a traffic accident. It can also cover deductibles and co-payments of other insurance policies like PIP.

Basically, MedPay is similar to PIP but more limited. It is mandatory in New Hampshire and Maine. Even where not required, you should consider MedPay to supplement your PIP and health insurance coverage.

6. Uninsured/Underinsured Motorist Insurance

Even though the vast majority of states require drivers to have some type of car insurance, people continue to drive vehicles when they are uninsured.

If you have an accident involving an uninsured or underinsured driver who does not have sufficient liability coverage, things can get messy and you could end up at a loss. Therefore, you should consider purchasing uninsured/underinsured motorist insurance.

7. Emergency Roadside Assistance

This type of insurance is an excellent safety net. With it, you can quickly get help if you need a jumpstart or a tow, run out of gas, have a flat tire, or lock yourself out of your car.

8. Gap insurance

Gap insurance can be useful for some drivers. If your car is lost or stolen, this type of insurance can cover the amount owed on your car loan.

Auto insurance settlements may not be enough to cover the cost of your auto loan due to the fact that vehicle values ​​depreciate quickly. So if you have a car loan, consider getting gap insurance.

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