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With all the choices out there, the task of picking the best one to suit your individual needs can be daunting. Yet with a good understanding of the different categories of auto insurance and the likely, you’ll have no trouble finding what you need. </p> <p>To get a free <strong>auto insurance quote</strong> right now from one of our trusted partners, please <a href="https://web.archive.org/web/20071214122107/http://results.cafefind.net/exact/rotate/ForbesSEO_auto_insurance_quotes"><strong>click here</strong></a>.<br/> <a href="https://web.archive.org/web/20071214122107/http://results.cafefind.net/exact/rotate/ForbesSEO_auto_insurance_quotes"><img src="https://web.archive.org/web/20071214122107im_/http://www.link-popularity.info/forbes/images/auto_insurance_quotes/auto_insurance_quotes.gif" alt="For Auto Insurance Quotes, Click Here!" width="468" height="60" border="0"/></a></p> <h2>Different Types of Auto Insurances Quotes for Different Needs</h2> <p><span class="indent"></span>In every state except New Hampshire, South Carolina, Virginia, Wisconsin and Tennessee, you will be required to carry at least a minimal amount of liability insurance. Liability insurance protects people in other cars when you are at fault, covering medical bills and car repair. However, this very basic type of insurance does not cover injuries to yourself or damage to your own vehicle. To obtain this coverage, you’ll need comprehensive and/or collision insurance. You’ll find that <strong>auto insurance quotes</strong> for this type of coverage are higher than those for liability insurance; that’s because these cover so much more. Collision insurance pays to fix your car and pay your medical bills even if you are at fault in an accident. Comprehensive insurance covers most other things that can happen to your car – fire, vandalism, or random events like falling tree branches. Depending on your personal circumstances, you can choose different deductibles which will change the estimated yearly cost of collision and comprehensive auto insurance quotes. A deductible is the dollar amount that you must pay before your insurance kicks in. For example, if you have a $500.00 deductible and your car incurs $350 in damage, you’ll have to pay to cover the whole amount. But if you incur $800 worth of damage, you will pay $500 of that amount and your insurance company will pay $300. Some auto insurance companies also sell medical payment and personal injury protection (PIP)/no-fault insurance, which expand medical coverage and may pay for lost wages, childcare costs, and other side expenses resulting from accidents. Other add-ons can include rental reimbursement and towing and labor insurance. When offering you an auto insurance quote, companies will want to know about your driving records, your age and how long you’ve had a license, and will inspect your car before certifying it.</p> <p>If you're ready to get a free auto insurance quote online, please <a href="https://web.archive.org/web/20071214122107/http://results.cafefind.net/exact/rotate/ForbesSEO_auto_insurance_quotes"><strong>click here</strong></a>.</p> <div class="special">^ Paid Advertisement Article ^</div> </div> </div>   <div id="rightcol"> <div>   </div> </div>  </div>   <div id="leftcol"> </div>  </div>  </div>   <div id="footer"> <div id="bottom-nav"><img src="/web/20071214122107im_/http://www.forbes.com/assets/nav/nav_bottom.gif" usemap="#footernav" alt=""/> <map name="footernav" id="footernav"> <area shape="rect" coords="6,1,69,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/sitemap.shtml" alt="Site Map"/> <area shape="rect" coords="74,1,122,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/help.shtml" alt="Help"/> <area shape="rect" coords="138,1,300,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/contact.shtml" alt="Contact Forbes.com"/> <area shape="rect" coords="303,1,450,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/forbescollection/" alt="Forbes Collection"/> <area shape="rect" coords="456,1,620,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/conf/" alt="Forbes Conferences"/> <area shape="rect" coords="622,1,768,18" href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/magazines.shtml" alt="Forbes Magazines"/> </map> </div> <div id="footer-links"><a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/advertise.shtml">Ad Information</a>       <a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/wireless/">Forbes.com Wireless</a>       <a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/reprints/Reprints.jhtml">Reprints / Permissions</a>       <a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/subservices.shtml">Subscriber Services</a>       <br/> ©2004 Forbes.com™      All Rights Reserved       <a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/privacy.shtml">Privacy Statement</a>       <a href="https://web.archive.org/web/20071214122107/http://www.forbes.com/fdc/terms.shtml">Terms, Conditions and Notice</a> <p> </p> </div> </div>  <script language="javascript"> var dom=document.domain; var page=document.location.pathname; var uagent=navigator.userAgent; var refer=document.referrer; var info; info = "https://web.archive.org/web/20071214122107/http://www.logdelivery.com/rawlog.asp?dm="+dom+"&pg="+escape(page)+"&ua="+escape(uagent)+"&ref="+escape(refer)+"&ty="+"&am="; document.write("<img width=1 height=1 src='" + info + "'>"); </script> <noscript><a href="https://web.archive.org/web/20071214122107/http://www.logdelivery.com/" target="_blank"><img src="https://web.archive.org/web/20071214122107im_/http://www.logdelivery.com/rawlog.asp?dm=www.forbes.com&pg=auto_insurance_quotes.html" border="0"></a> </noscript> </body> </html>