With all the large auto insurance companies out there, it’s still important to pick the best company for your unique situation. We always recommend comparing quotes from multiple insurers in order to find cheap rates that fit your personal driver profile and history.

The type of auto insurance policy you choose — whether minimum or full coverage — will affect your quote, so it helps to have a general idea of which coverages you’d like before getting one.

Minimum-coverage car insurance is specified by the minimum auto insurance requirements in your state. Full-coverage car insurance adds comprehensive and collision coverage to your policy in order to protect you against physical damage to your vehicle.

We typically suggest all drivers consider full-coverage car insurance, particularly if your car is worth more than $3,000.

Liability-only car insurance is much cheaper than full-coverage car insurance, but it comes with risks that you should consider. For instance, liability-only insurance would not cover you if your car were stolen. Drivers should consider the cost of repair and the value of their car before deciding whether to switch to liability-only coverage.