LowestPriceFinder Editorial Team · Reviewed August 27, 2026
See how we research and update insurance information in our Editorial Standards & Research Policy.
Start with state requirements
State minimums establish a legal floor, not necessarily the amount that best protects your finances.
Understand liability
Bodily injury and property damage liability generally respond to covered injuries or property damage for which you are responsible, up to policy limits.
Protect the vehicle
Collision generally addresses covered crash damage; comprehensive generally addresses covered non-collision losses such as theft, fire, weather and vandalism.
Consider financing
A lender or lessor may require collision and comprehensive while it has a financial interest in the vehicle.
Review optional protection
Depending on state and insurer, options can include uninsured/underinsured motorist, medical payments or PIP, rental reimbursement and roadside-related coverage.
Choose limits for your situation
Assets, income, vehicle value, household drivers and your ability to absorb a loss matter more than simply choosing the cheapest policy.
Ready to compare?
Explore featured auto insurance shopping paths or start with LowestPriceFinder.
View Auto Insurance Options →National Association of Insurance Commissioners (NAIC) consumer auto-insurance guidance and shopping resources. For state-specific requirements, consult your state insurance department.
Insurance Disclosure · About