Services
PriceProtect™
DriveShield™
GarageGuard™
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Home Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Recent Studies
Comprehensive Data Reports
Reviews
About
FAQ
MenuIcon
BACK

How can I understand car insurance better?

I have to get car insurance for the first time. I don't understand it at all. How does it work?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance
 is the transfer of risk. When you purchase a car insurance policy, a car insurance company agrees to take on your risk and pay for any injuries or damages you cause.
When looking at car insurance coverage, 13 different
types of insurance
 are available to add to your policy.
The most common type is liability insurance, which covers any damage or injuries you cause to others. *Collision and comprehensive coverage will cover any damage done to your vehicle, regardless of fault.
Moreover, each state has a minimum amount of coverage that you’re required to carry as well.
If you’re unsure of where to start with car insurance, you should begin by shopping around. Use the
Jerry
 app to search quotes from dozens of insurers to get the best rate for your insurance needs.
More:
All the car insurance terms you need to know
Types of InsuranceCar Insurance
View full answer 
Jerry user testimonial avatar
rating primary
“My experience with Jerry has been absolutely incredible. It took my car insurance from about $400/month to about $80. The entire experience is seamless.” - Gregory R.
Lower my car insurance too
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

card cover

Getting Car Insurance as a First-Time Buyer

Before you purchase a car insurance policy, you’ll need to know what type of coverage you need and shop for quotes from various providers.
avatar
Kianna Walpole
card cover

How to Get Proof of Insurance Before Buying a Car

To get proof of insurance before buying a car, you’ll need the make, model, and VIN of the new vehicle, as well as a great insurance quote.
avatar
Brittni Brinn
card cover

Is Car Insurance Cheaper if You Own the Car?

Your premiums won’t automatically lower once you own your car, but you’ll likely have the option to reduce your coverage, which results in lower premiums.
avatar
Amber Reed

Read Advice From Car Experts At Jerry

card cover

How to Reset the Anti-Theft System on a Chevy Cruze

To reset the Chevy Cruze anti-theft system, you’ll need to use your Remote Keyless Entry (RKE) transmitter.
avatar
Mariza Morin
card cover

Are There Taxes on Winning a Car?

The taxes on a car you’ve won will be roughly one-third of the car’s value, but you can lower the amount you owe by teaming up with a tax expert.
avatar
Samuel Todd
card cover

Can You Buy a Car With a Learner’s Permit?

You can buy a car with only a permit, but you can’t register it. A good option is to have a fully licensed driver be the legal owner until they can transfer it.
avatar
Bonnie Stinson

What Others Are Asking

How do you delete a phone from Ford's Bluetooth?
I just bought a used Ford Explorer and it looks like the previous owner didn’t delete their phone. How do you delete a phone from Ford's Bluetooth?
avatar
Amber Reed
How do you open the gas tank on an INFINITI G35?
I bought a used INFINITI G35 recently and am having trouble opening the fuel filler door to access the gas tank—how do you open the gas tank on an INFINITI G35?
avatar
Andrew Biro
How do you open a Mazda Tribute gas tank?
My boyfriend let me borrow his car but I’m too embarrassed to ask how to fill up the tank. Where is the gas lever for a Mazda Tribute?
avatar
Liz Jenson
Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

    Insurance In Your City

    Easiest way to compare and buy car insurance

    √
    No long forms
    √
    No spam or unwanted phone calls
    √
    Quotes from top insurance companies
    Find insurance savings
    Car Insurance by Make
    Audi
    BMW
    Dodge
    Ford
    GMC
    Honda
    Hyundai
    Jeep
    Kia
    Lexus
    Mercedes-Benz
    Mitsubishi
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Model
    Chevrolet Silverado
    Chevrolet Malibu
    Ford Escape
    GMC Sierra
    Honda Accord
    Honda Civic
    Hyundai Tucson
    Jeep Cherokee
    Jeep Wrangler
    Kia Forte
    Mazda 3
    Nissan Altima
    Subaru Outback
    Subaru Crosstrek
    Toyota Camry
    Toyota Corolla
    Toyota Tacoma
    Toyota Highlander
    Toyota Rav4
    Volkswagen Jetta
    View all
    Car Insurance by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Insurance by City
    Austin, TX
    Boston, MA
    Charlotte, NC
    Chicago, IL
    Columbus, OH
    Dallas, TX
    Denver, CO
    Houston, TX
    Indianapolis, IN
    Jacksonville, FL
    Las Vegas, NV
    Los Angeles, CA
    Nashville, TN
    New York, NY
    Philadelphia, PA
    Phoenix, AZ
    Portland, OR
    San Antonio, TX
    San Francisco, CA
    Seattle, WA
    View all
    Car Loan by Make
    Audi
    BMW
    Chevrolet
    Ford
    GMC
    Honda
    Hyundai
    Kia
    Lexus
    Nissan
    Mercedes-Benz
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Company
    AAA
    Allstate
    Aspire Advantage
    Assurance America
    Bristol West
    Commonwealth
    Dairyland
    Encompass
    Infinity
    Kemper
    Mapfre
    Mercury
    National General
    Nationwide
    Plymouth Rock
    Progressive
    Safeco
    State Auto
    Travelers
    Car Loan by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Repair by Service
    AC Compressor Replacement Cost
    Battery Replacement Cost
    Fuel Injector Replacement Cost
    Fuel Pump Replacement Cost
    Ignition Coil Replacement Cost
    Oil Change Cost
    Oil Pan Replacement Cost
    Power Steering Fluid Service Cost
    Rotate Tires Cost
    Spark Plugs Replacement Cost
    Timing Belt Replacement Cost
    Valve Cover Gasket Replacement Cost
    Water Pump Replacement Cost
    Wheel Bearings Replacement Cost
    View all