Many online sites will allow you to compare auto insurance rates so the user can pick one in the comfort of their own home. Those sites often allow the auto owner to apply for and obtain auto insurance online.

See also

• Basics of car insurance
• Insurance companies

Auto insurance is divided into liability, which is the fixed dollar amount of coverage a car owner pays for damages if an accident occurs and damages some private property. It can be part of a combined single limit policy or as a split limit policy. Collision insurance covers the cost of the driver’s car if it should get into an accident. There are also combined single limit in which damages and injury claims are paid out under the same coverage. Split limit coverage splits the property damage and the bodily injury coverage into two separate limits. Comprehensive coverage coffers for fire, theft or natural disaster. There is also uninsured/underinsured coverage in which money is paid out when another at-fault party does not have enough insurance. Loss of use coverage pays for a rental car while the damaged car is being repaired.