Owning a car and getting a license almost always necessitates the acquisition of car insurance in all American states. It is considered a social responsibility. Insurance is what safeguards your life and helps you cope up with financial responsibilities if and when your car gets stolen or damaged. It also assists you in settling repair costs and disputes when you damage someone else’s automotive property. Although the lack of insurance does not subject you to imprisonment, it does put you at risk financially. This is not something you want to ignore at this economic state. Before you get free car insurance quotes and go crazy with your premiums, you initially have to learn what you are getting into and what your expectations should be.First, here are six types of auto insurance policy coverage. There’s bodily injury liability, property damage liability, medical payments, collision, comprehensive, uninsured/underinsured motorists coverage and miscellaneous (example, roadside assistance). Liability coverage is what you take to secure financial support for the other party involved in a vehicular accident with you. If it’s body-injury liability, then it would take care of the other party’s medical bills and lost wages. If it is property damage, it will pay for the fences, building fronts, and the car that was totalled. If a suit follows, the property damage will also help you pay the fines.Collision and comprehensive car insurance coverage, meanwhile, is the one that supports all the expenses you incur for the damage on your own vehicle. Collision will include traffic accidents, while comprehensive will manage theft, vandalism, natural disasters, animal run ins and simultaneous combustion. If there is nothing to salvage from the car, the insurance company will just tow it away and give you money equivalent to its actual cash value. Usually, this is not required, unless car payments are financed by the bank. The terms may differ between insurance companies, so you have to check the print of their benefits. Payment plans for this are also flexible, which means you can either have it paid through premium or deductibles, or both.Uninsured/underinsured motorist coverage, on the other hand, will come in handy if, by chance, you get yourself involved in a hit-and-run situation (you being the victim), or if the person who crashes your car does not have any insurance or has the wrong kind of coverage. It will assist you in paying your medication, as well as car repair. Then, of course, there’s insurance for miscellaneous concerns you can freely add to your prepaid expenses. It will see to it that any road side assistance you claim is paid for wherever you are in the country.There are numerous sources you can approach to find out what would be your best and least expensive auto policy option. You can ask friends and family, or hire a broker. You could also spearhead the research yourself, as insurance companies usually give free car insurance quotes to clients. You can even call them through customer service hotlines and have your questions clarified. Whoever you choose to go with and whatever you get, just make sure you are ready to commit to the monthly dues. It would be such a waste to forfeit your premium in the middle of completing the whole payment. To some degree, yes, it is a burden, but being safe and prepared is better than being sorry in the end.