How much car insurance you need depends on how much coverage you are legally obligated to get, as well as how much coverage you need for your situation. Each state has certain legal requirements for car insurance, and not meeting them can result in negative consequences. Check out our car insurance state guides to see the legal car insurance minimums in your state.
So, what does the best car insurance look like? The best car insurance companies balance their rates with the amount of coverage they offer, so their customers don’t pay more than they have to and are covered when they need to make a claim. The best car insurance companies work with you to figure out how much car insurance you need and explain your policy to you. When you need to file a claim, the best auto insurance companies walk you through the process, keep you informed, and work with you to resolve any issues you have. The best auto insurers will help you understand how car insurance works and make you feel like you’ve gotten the best value for your money when you insure your vehicle. The best car insurance companies will also offer you auto insurance discounts for things like having multiple policies or a good driving record. Finally, the best car insurance companies have great customer service, keep their customers updated on the status of their claims, and make sure the customer is satisfied with the way the claim is resolved.
Personal injury or bodily injury protection, which is often a part of full coverage car insurance, covers medical costs for you, your passengers, or other people injured in an accident. This type of coverage is required by most states, but keep in mind that the legal requirement may be too low for real world application. As medical costs soar, a policy that only pays out $30,000 is not likely to be enough, and you will be responsible for any difference between what your policy pays and what the actual medical costs are. It’s tempting to skimp on this coverage, but that can be a costly mistake.
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Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you’ve purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.
Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you’ve purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.

However, their online quote process is not instant; instead, you’ll fill out your personal information, your vehicle and the coverage you want. This information will be routed to a local AAA insurance agent to follow-up within one business day. Not every major insurance company operates with local agents, and many would rate this more personal touch as a plus in AAA’s column.

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