Nearly every state requires that its citizens order car insurance, and the few exceptions allow drivers to post bonds in large amounts – typically over $30,000 – with the state to cover any liability the driver may incur in an accident. So just about everyone, except those who can afford to post such a large cash bond, need to order car insurance. There are certain things that experts recommend you look for when selecting the right coverage, such as benefits and discounts as well as the company’s customer service reputation.

In most states there are minimum coverage requirements that you need to keep in mind when you order car insurance. Typically this includes liability and injury coverage and most states require at least $25,000 liability coverage for a single person and $50,000 total for each accident. These averages do vary widely, so it helps to research what is required by the state you currently live in. However, you may already know that the minimums are often not enough to adequately protect a driver who is involved in a serious accident with multiple injuries. When an accident is severe, the minimum paid by the insurance may not be enough to cover all of the expenses and the driver at fault can become liable for anything else. This could put you and your property at risk, especially if you own a home which could be taken to pay medical bills, so be sure that you are carrying an adequate amount of insurance to protect you and your family. Knowing how much insurance you need and your driving record and habits can help you decide the importance of some other considerations.

Roadside Help

Some insurers offer roadside help as an additional feature while others include it as part of all insurance policies they offer. When you are looking at an insurance quote that contains roadside help as a standard part of the policy, be sure to consider that even without the company saying so, it does add to the cost of insurance through that company. In addition, you should consider whether the service would be useful to you. For people who already have another roadside assistance provider, it is not necessary to have it as part of an insurance policy. When you order car insurance, be sure to check whether roadside help is included.

Repair Services

Many people don’t consider the types of repair services offered by particular companies when they order car insurance. Consumers often think that repairs have to be done at whichever repair shop they choose with original equipment manufacturer parts. However, this is not always the case. Many policies call for you to use a particular repair facility and for your vehicle to be repaired with equivalent parts. For most people, this is acceptable; however, there are some circumstances where you may want to check into this further with the insurance company, especially if you own an exotic sports car or a hybrid or special-order vehicle.


This is one of the few areas that experts agree is important to almost all drivers. When you order car insurance, be sure to check for discounts that could make a difference to the cost of your policy. Some companies offer many discounts while some only offer a few, so it helps to spend some time researching discounts that are important to you. Be sure to look for good driver discounts, discounts for students and good grades, and discounts for having multiple vehicles or multiple policies covered by the same company. However, if none of these situations apply to you, then considering discounts may not be as important when you order car insurance as it is to other consumers.

Customer Service

This is another area where most experts suggest finding a company with a good customer service reputation when you order car insurance. While this may not seem important on a day-to-day basis, it comes into play when you are involved in an accident. Look for a company that provides quick claim processing as well as clear instructions on what to do in the case of an accident. It is also helpful to select a company that offers a 24-hour a day number so you can reach a representative at all times in case of an accident.

When you order car insurance start with ensuring that you have at least the minimum required by your particular state, but then consider more coverage to protect yourself and your family. Then, take some time to consider the other areas that are important such as the customer service reputation of the company and discounts. How important each of these areas will be is purely based on your individual needs, but taking the time to see how they affect your policy can make a difference in your cost and bottom line.