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10 of the Best Car Insurance Options

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Whether you're shopping for car insurance for drivers with a suspended license or want the maximum coverage available, a range of choices exist in the marketplace. Check out these 10 options for automobile insurance.

Secondary Driver

One way to get car insurance if you have a suspended license is as a secondary driver on your spouse's car insurance. Look into the complaint ratios of the companies you're considering.

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Hardship License

A high-risk auto insurance company may insure you if the DMV gives you a short-term or temporary hardship license with an explanation that you require a license to drive kids to school or other necessities. Shop around to find an insurer who will make this accommodation.

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Learner's Permit Car Insurance

Learners permit car insurance is a good option for families with a teenager learning to drive. With this kind of insurance, the teen driver would still be responsible for any damage he or she caused while driving.

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Low-Income Auto Insurance

This type of coverage is available to families who live from paycheck to paycheck or with annual incomes within a certain range. This can be a challenging type of insurance to find, so you may need to shop around until you find a rate and provider that meets your needs.

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Accident Forgiveness

An accident forgiveness insurance policy protects a driver's driving record from negative financial repercussions from the insurance company especially due to an at-fault accident. However, this coverage does not pay damages for all at-fault accidents.

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Personal Injury Protection

This coverage reimburses the user related to medical expenses for injuries sustained to the driver or passengers inside the vehicle. This also covers lost wages and associated expenses.

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Comprehensive Coverage

This optional type of insurance provides coverage against all forms of theft or damage caused by accidents that are not collisions. Accident types include fire, falling trees and rocks and vandalism.

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Uninsured Motorist Protection

Many states require this type of coverage. With this protection, the insurance company will reimburse you when an accident is the fault of an insured driver. This includes hit-and-run accidents.

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Collision Coverage

Collision coverage is the most common piece of an insurance policy. This covers damage to your vehicle during an accident, whether or not you are at fault.

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Liability Insurance

Liability coverage protects other drivers during an accident caused by your own negligence or risky behavior. The law considers this essential, so you won't be able to skip this piece when you sign up for auto insurance.

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