Today in America, most states require that you purchase the minimum amount of automobile insurance. In fact driving without the minimum required automobile insurance is illegal and punishable.
Liability insurance is the cheapest type of automotive insurance and is perfect if you are on a limited budget. Many times, if you also comparison shop before you purchase liability insurance you can save even more. Automotive insurance providers also offer discounts on top of the low price of liability. Some discounts include:
Safe driver discount — this discount is given to people who have a driving history that contains no or few accidents over a span of 3 to 5 years.
Safety feature discount — this discount is given to view based upon the safety features of your automobile. These safety features can include antilock brakes, air bag, and any other features of your automobile that makes it safer.
Driving course discount — many times if you have completed a driving course, you will receive a discount on your automobile insurance.
So what is covered by liability insurance?
Liability insurance basically covers any damage that you inflict with your automobile. For example, if you’re in an accident and because of your actions another vehicle was damaged or the driver was injured, your liability coverage would cover the expenses for that other driver.
Your personal injuries and damage to your automobile however are not covered by liability insurance. In order to have your injuries and your damage is taken care of. When you are found at fault in an accident, you must have collision insurance, which is usually a component of full coverage. Liability coverage also does not cover forces of nature or things that are not under your control.
No matter where you live in the United States today. You must have a minimum coverage, which is usually liability coverage. In order to understand what minimum coverage is in your particular state, you can contact the DMV or your auto insurance agency.