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America's roads are full of careless drivers. One day, a driver will hit you. Or, you will hit them. After all, accidents happen to the best of us. Fortunately, at Cheap Insurance Quotes we offer progressive car, truck, and SUV insurers who compete on price to win your business. All you have to do is request a free quote through us and then pick the insurer quoting you the policy with the most coverage and benefits at the rate that best fits your budget. It's fast, free, and easy!

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Our service is free to you because our insurers pay us to introduce you to them. They don't pay us much for the introduction, but so many people like you use our free service that we make money on the volume of introductions we make. It's truly a winning situation for all those involved!

No Obligation to Buy

When you request a quote through us, there is no obligation to purchase. Only you decide whether you buy your car insurance through one of our insurers or elsewhere. What's most important is that you buy insurance from somewhere so that you and your family are protected.

Auto Insurance Coverages
Most states require motorists to carry liability insurance coverage to ensure that they can cover the cost of damages to people or property in the event of an automobile accident.
Bodily Injury Liability (BI)
BI covers other people's bodily injuries or death for which you are responsible and provides for you a legal defense if another party in an auto accident files a lawsuit against you. You want enough BI insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. BI is mandatory in most states.
Property Damage Liability (PD)
PD covers other people's property damage for which you are responsible and provides for you a legal defense if another party in an auto accident files a lawsuit against you. Usually the property is their car, but it could be a fence, a house or any other property damaged in an accident. You want to purchase enough PD insurance to fully cover the amount of damage your car might do to another vehicle or object. PD is required by law in most states.
Uninsured/Underinsured Motorist Coverage (UM)
UM covers you, the insured members of your household, and your passengers for bodily and personal injuries, damages, or death caused by an uninsured driver, a hit-and-run driver, or by a person having insufficient insurance to fully cover the damages. Your UM insurance will cover medical expenses, up to the limit stated on your policy. UM is required only in some states.
Comprehensive and Collision
Comprehensive and Collision are two types of property insurance that are not typically mandated by states.
Collision insurance covers your vehicle if it is damaged in an accident, subject to a deductible, which is an agreed-to amount that you must pay out to partially cover repair or replacement costs. Collision coverage provides payments to repair your damaged car, or payment of the cash value of your car if it is not repairable ("totaled"). While collision coverage is optional, the lender who loaned you money to buy your automobile will usually insist you carry collision coverage until the loan is paid in full. Ask your auto lender for details.
Comprehensive insurance covers your vehicle if it is damaged by incidents that are not considered collisions, subject to a deductible. Such incidents typically include fire, theft, attempted theft, vandalism, weather, or impacts with animals. Comprehensive coverage also provides payments to repair your damaged automobile, or payment of the cash value of your automobile if it is not repairable ("totaled"). While comprehensive coverage is optional, the lender who loaned you money to buy your automobile will usually insist you carry comprehensive coverage until the loan is paid in full. Ask your auto lender for details.
Disclaimer: The above should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. It is provided for information purposes only.

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