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35462362_s1Own a car? There’s no question about it, no matter what state or city you live in— car insurance is a must. Accidents happen, and the best way to predict the future is to prepare. This also includes preparation in unpredictable weather, natural disaster, damages, or vandalizations.




An example scenario:

You were distracted by the song on the radio while reversing, and you accidentally hit a car behind you. The car behind you hits a metal pole behind his car. Everyone involved in the accident is fine, but rushes to the ER just to ensure that everything is okay.

  • How are you covered? You are legally responsible for damages due to another person’s property or bodily injury, which this coverage is specific for. This coverage includes: lost wages, suffering, pain, and medical expenses. This liability pays out to other people, but does not include you.
  • Property Damage Liability is responsible for property value and damage included.
  • Minimum: states vary according to area

11048188 - portrait of smiling old woman driving carMEDICAL PAYMENTS COVERAGE

An example scenario: You are at a stop sign and a car rear ends you. You hit your head on the driving wheel, and you are injured.

  • How are you covered? Medical payments coverage will reasonably pay for funeral expenses and medical bills, for you and your passengers post-accident.
  • Requirements: some states require Medical Payments (MedPay, PIP).


An example scenario:

A hailstorm emerges, and now your vehicle is dressed in tiny little dents. What do you do?

  • How are you covered? Helps assist in payments in damage or loss of the insured automobile (not resulting from vehicle rollover or collision). May include: wind, flood, hail, theft, vandalism, hitting an animal.



An example scenario:

You are driving along the road, and a vehicle collides into yours, and you are hurt and sent to the ER. Unfortunately, the driver is uninsured. What do you do?

  • Uninsured Motor Vehicle Coverage pays for damages when you are injured in an accident caused by another driver who does not have the appropriate insurance coverage.


An example scenario:

positive young couple discussing details of private insurance with agentpositive young couple discussing details of private insurance with agentYou are driving down the road, and a vehicle rear-ends you from behind. You are injured. Unfortunately, the driver is underinsured. What do you do?

  • Underinsured Motor Vehicle Coverage will cover damages caused by another person with insufficient liability coverage (bodily injury, pain, suffering, medical expenses).


  • Travel Expenses includes covers lodging, transportation and meals, depending on the available area if your vehicle is disabled. Rental reimbursement will pay for the car rental costs or vehicle replacement.


  • Emergency Roadside Service pays for towing services and other necessary emergency roadside services to assist in a vehicle breakdown.



  • Understand your budget. Consider state minimum requirements.
  • Collect your information
  • Figure out which coverages you need
  • Obtain your driving record (MVR)
  • Shop for insurance quotes (policy options, rates). Consider discounts a few carriers have to offer (ex. Student discounts, full payments, etc.)
  • Select the company and plan that suits your budget, covers state minimums, and covers needs.


The cost of car insurance is based on several factors, but it is highly dependent on the coverage and specific type that you purchase. Additionally, car insurance rates are based on the following factors:

  • Your driving record
  • Where you live
  • Age, gender, marital status
  • Make and model of your car
  • How you use the car
  • Credit-based insurance score

Also consider that pricing varies by insurer and state.

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At True Quote Insurance, your personal and business insurance needs are very important to us. Whether you need insurance for your home, automobiles, life, or health, you can be assured that the personal insurance professionals at True Quote Insurance will listen to your concerns, explain options, and help you get the right coverage for your individual needs.