How can I get to know my car insurance better?

I know that I need car insurance to legally drive. But I’m not exactly sure when I’m covered, when I’m not covered, and basically how it all works. What can I do to start learning more about my car insurance?

Answer
Like many insurance products, car insurance can certainly seem confusing. But you can start learning more about your car insurance by researching car insurance terms, reading through your policy, and studying different types of coverage.
To start, here are the most common types of car insurance coverage:
  • Liability coverage: Insurance that provides medical and property compensation to other drivers when you’re at fault in an accident.
  • Collision coverage: Insurance that pays to repair your vehicle after a collision, regardless of fault.
  • Comprehensive coverage: Insurance that pays to repair your car after non-collision incidents—like acts of God, vandalism, or theft.
  • Uninsured/underinsured motorist: Insurance that covers medical bills and damage if you’re in a collision with an uninsured or underinsured driver.
Any coverage you get also comes with limits, which means your policy will only pay up to a certain amount for any damage. If your liability limit is $50,000, then your provider will only cover up to that amount—and you’ll be responsible for any overages.
Most policies will also include deductibles, or the amount of money you pay before your insurance kicks in. For example, if you hit a pole and your car gets damaged—you may need to pay $500 for repairs before your provider helps cover the damage.
Once you learn more about the basics of car insurance, you can use Jerry to start comparing quotes and exploring your different options.
A licensed broker, the Jerry app helps users compare personalized quotes from dozens of top insurers like Progressive and Nationwide in minutes. When you find a better rate, Jerry can help switch policies and even help cancel your old one!
Eric Schad
Answered on Nov 17, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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