Most US states have a number of mandatory requirements that need to be met so that an auto insurance policy provides sufficient coverage. Although liability is implemented differently between Tort and no-fault states, motorists have a number of different options available to increase the levels of protection on a basic auto insurance policy.
When road users are looking for cheap auto insurance quotes, the chances are that their provider of choice will only be supplying the minimum level of coverage demanded by state law. However, road users have the right to upgrade their policies at any time to ensure that sufficient coverage is in place.
As a rule, it is usually the owners of new or nearly new vehicles that choose to add coverage options to a policy when they are comparing auto insurance quotes. Those who drive older vehicles may find that a basic policy is more cost-effective because their car will have a relatively low market value.
Drivers of new vehicles have a number of auto insurance coverage options to consider. Collision coverage covers the cost of repairs to one’s own vehicle even if they are found to be at fault in an accident. Comprehensive auto insurance provides blanket protection for damage sustained to a vehicle that isn’t accident-related. Adverse weather damage, theft and vandalism are all covered by this beneficial add-on.
The growing menace of uninsured and underinsured drivers can also be catered for and protection against rogue drivers can be purchased as a means of providing full coverage options on any auto insurance policy.