Quick math
  • Liability pays for damage and injuries you cause to other people
  • Collision repairs your car after a crash, minus your deductible
  • Comprehensive covers theft, hail, glass and animal strikes
  • A higher deductible usually lowers the premium and raises your out-of-pocket risk
  • Uninsured motorist cover protects you when the other driver has no policy
  • Most states require at least a minimum amount of liability coverage
  • Bundling policies with one insurer can change your rate
  • An SR-22 is a filing, not a policy, and it usually raises the total cost

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Start figuring out your real rate

  • See every quote as a line-by-line breakdown instead of one mystery total.
  • Run deductible and coverage math on your own car before you renew.
  • Keep a running log of your premium so next year’s jump is never a surprise.
Your numbersSample$128sample monthly totalLiability$52Collision$41Comprehensive$23Fees & taxes$12
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