Doesn’t it always seem that when you’re looking for a new car insurance policy that they’re all super expensive? They’re not just costly, but they seem to offer little protection for the insured in return. It can be incredibly frustrating when you’re looking for a [quote for car insurance](https://coverhound.com/) and you can’t find any in your price range. You won’t have this problem when you compare car insurance with CoverHound. We help you find car insurance policies that save you money and protect you after an accident—they’re policies that can do both!
**Learning About Insurance**
As you are probably already well aware, car insurance laws are directed at the state level. This means that the insurance you lawfully carry in California might not correlate with insurance-carrying laws in Florida. This makes travelling across state lines a little chaotic—what if you’re involved in an accident and you don’t have the car insurance to back you up? Before getting in the car and driving cross-country to Disney World, check with your insurance agency that your policy will stand out-of-state should you get in an accident. If it does not, you can get a [temporary car insurance](https://www.thebalance.com/temporary-car-insurance-what-are-the-options-2645566) plan that will protect you in that state.
Now that you know you can get a temporary policy should you travel across state lines, let’s take a look at car insurance policies that will protect you and your car after an accident.
**Which is Best?**
Most states require motorists to carry liability car insurance. Liability car insurance is the most inexpensive of the auto insurance policies, but it’s also the least protective. If you’re involved in an auto accident and are the at-fault driver, your insurance will cover the medical and property damages of the other driver. This policy will not cover any damage to your vehicle or person. This means you’ll be paying for your hospital visit and vehicle body work out of your own pocket.
[Some states](http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists) require (much less often than liability insurance) comprehensive coverage. Comprehensive auto insurance covers vehicle damages related to natural disasters, theft, vandalism, falling objects (such as trees, powerlines, mailboxes, etc.) fire and accidents involving animals. The only thing comprehensive coverage doesn’t include is car-on-car damage. This means if you’re involved in an accident with another vehicle, comprehensive insurance does not pay for the damages that ensue as a direct result of that accident.
While [no state](https://wallethub.com/edu/collision-insurance/7292/) requires collision insurance, it is highly recommend that motorists invest in this policy. Why, you ask? Collision coverage is an insurance policy that protects motorists regardless of who is at fault in the accident. Collision insurance covers part or all of the cost (including replacement costs) to your vehicle after an accident.
But you know what? Rather than investing in just one of the above policies, it’s better to invest in all three. By investing in all three, you will be protected in just about every accident scenario, and guess what? When you bundle your insurance policies, you get a bundle discount on top of your good driver, student and senior discounts. So by investing in more than one policy, you’re actually saving money.
Learn more about discounts and [get your free quotes](https://coverhound.com/auto-insurance) for car insurance today with CoverHound!