Auto Insurance Made Simple
Liability, full coverage, or non-owner — compare options across states and carriers in minutes. Start your quote now.
What Drivers Get Wrong About Auto Insurance
- Liability vs. Full Coverage — liability protects others; full coverage protects you too. See both options.
- Non-Owner Policies — insure yourself even without owning a car. Get a non-owner quote.
- State Minimums — every state sets its own rules (see the grid below). Not sure if minimum is enough? Compare coverage levels.
- Discounts — bundling, safe driver, multi-car, paperless, and pay-in-full can add up. Ask which carriers apply them when you start a quote.
Coverage Types at a Glance
| Coverage Type | What It Covers | Who Needs It |
|---|---|---|
| Liability | Damage you cause to others (bodily injury + property). | Required in every state. Good for older cars with low value. |
| Full Coverage | Liability + collision + comprehensive (protects your car too). | Best for newer cars, financed vehicles, or high-risk areas. |
| Non-Owner | Liability coverage when you drive but don’t own a car. | Drivers who borrow/rent cars or need SR-22/FR-44 filing. |
Compare options and start a quick quote.
Auto Insurance in 2 Minutes
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What Affects Your Auto Insurance Price?
- State requirements — each state sets different liability minimums.
- Your driving record — tickets, accidents, or DUIs raise premiums.
- Vehicle type — sports cars cost more than sedans or SUVs.
- Credit history — in most states, credit impacts rates.
- Discounts — bundling home + auto, good student, and pay-in-full can lower costs.
Curious what you’d pay? Run a free quote.
Auto Insurance by State
Each state sets different liability minimums and requirements. Choose your state below to see details and start your quote.
Real-World Example
Maria lives in Florida and chose only the state minimum liability coverage. When her car was hit by hail, none of her damage was covered. After switching to full coverage through A Plus Insurance, her repairs were paid for — and she even saved 15% thanks to multi-policy discounts. Check your own savings here.
Auto Insurance FAQs
What’s the difference between liability and full coverage?
Liability covers damage you cause to others. Full coverage includes liability plus collision and comprehensive, protecting your own vehicle too. Compare both options here.
When should I drop full coverage?
If your car is older and worth less than your deductible + premium, liability-only may be smarter. We can help you check quotes for both.
How do discounts really work?
Carriers apply discounts automatically when you qualify — bundling, safe driver, multi-car, paperless billing, and more. See which you qualify for when you start a quick quote.
Which carriers do you compare?
We work with Progressive, Dairyland, Mendota, and many more — often with same-day proof of coverage. Compare carriers now.
Compare Auto Insurance Quotes Now
Liability-only, full coverage, or non-owner policies — we’ll help you find the right fit. Same-day proof available with many carriers. Start your quote online or call us.
Last Updated on by Jayleen Ridgeway