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While it may be tempting to choose the cheapest, most bare-bones policy, there is certain coverage that’s not worth cutting, no matter the savings. We consulted the experts — a mix of insurance agents and accident attorneys — to find six basic coverage types that every auto policy should have. As you look for an affordable policy, keeps these necessities in mind:
Unless your plan includes some form of accident forgiveness, filing claims of any size will cause your premium to go up. For small repairs, the price to fix it may be less than the increase in your premium — a chipped windshield, for example, can often be repaired for under $100, while a subsequent increase of just 10% on your premium could run you well over that amount in annual insurance costs. Since repairs are a one-time expense, it may save you money over time to sweat the small stuff yourself.

Personal injury protection (PIP) or medical payment are similar to bodily injury liability but instead cover the costs of injuries to yourself and any passengers in your vehicle. You certainly don’t want to be underinsured when it comes to your own medical attention — choosing PIP helps protect you from financial damages that might come as a result of physical ones.


If you’re an active or former military member — or related to one — we highly recommend considering USAA for car insurance. USAA provides exceptional customer service and timely, fair claims payments, as evidenced by top ratings in J.D. Power's customer satisfaction survey and Consumer Reports’ claims satisfaction study. USAA also earns some of the best possible financial scores: “A++” from A.M. Best, “AA+” from S&P Global, and “Aaa” from Moody’s. These ratings mean that USAA promises rock-solid backing for your policy, as well as a stable credit outlook in just about any economy.
If you’re an active or former military member — or related to one — we highly recommend considering USAA for car insurance. USAA provides exceptional customer service and timely, fair claims payments, as evidenced by top ratings in J.D. Power's customer satisfaction survey and Consumer Reports’ claims satisfaction study. USAA also earns some of the best possible financial scores: “A++” from A.M. Best, “AA+” from S&P Global, and “Aaa” from Moody’s. These ratings mean that USAA promises rock-solid backing for your policy, as well as a stable credit outlook in just about any economy.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
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