Liability
Bodily injury and property damage limits, plus any combined limit.
Field guide · 02
Auto insurance
Align every quote to the same drivers, vehicles, limits, deductibles, and optional coverages before comparing price.
Ask before you choose
Questions for the agent or insurer
- 01
Are every licensed household member and regular vehicle user handled correctly?
- 02
What liability limits apply per person, per crash, and to property damage?
- 03
How do uninsured and underinsured motorist coverages work in this state?
- 04
What are the collision and comprehensive deductibles?
- 05
Are rental reimbursement, roadside help, loan or lease needs, and custom equipment addressed?
Apples to apples
Put these fields beside each other.
Your injuries
PIP, medical payments, or other state-specific first-party coverage.
Other drivers
Uninsured and underinsured motorist limits and applicable deductibles.
Your vehicle
Collision, comprehensive, valuation, and separate deductibles.
Practical extras
Rental, towing, roadside, glass, gap, or new-car replacement terms.
Usage
Mileage, commuting, rideshare, business use, students, and stored vehicles.
Primary sources