Car Insurance

Keeping you safe on the road ahead.

Tired of spinning your wheels searching for the best car insurance coverage?

Then let us drive!

We’ll compare rates and lead you to the best policy.

Car Insurance

Keeping you safe on the road ahead.

Tired of spinning your wheels searching for the best car insurance coverage? Then let us drive!

We’ll compare rates and lead you to the best policy.

Insurance advice that steers you in the right direction.

Guided Solutions was created by entrepreneurial insurance experts to better serve and educate everyone about the importance of good coverage. We’re passionate about helping our customers make the right insurance decisions so that, no matter what life throws their way, they can stress less and live more knowing they’re well protected.

Don't drive yourself crazy.

Stop wasting time researching car insurance options online. We’ll navigate that for you.

First, we compare auto insurance rates from major and local carriers. Then we present you with the best options – same day, free of charge.

All we need from you is a little info to get started.

Here's what you need to know about car insurance.

In the U.S., car insurance is a “must have” — not a “nice to have” — in all but two states. And with over 14 different coverage options, finding a policy that’s right for you can be quite a task.

Need a jump-start? Check out the top 4 FAQs we get asked about car insurance. Have a question that’s not listed? Contact us.

What is car insurance?

Car insurance covers damage to your vehicle and protects you financially if you’re liable for someone else’s injuries or damage in the event of an accident. Learn more.

Is car insurance required?

To drive legally, all but two states (Virginia and New Hampshire) require car insurance. All other states have a minimum requirement — the lowest amount of coverage permissible to be within the law. Learn more.

How much car insurance do you need?

Each state has a minimum insurance coverage threshold that drivers must purchase. However, because the overall cost of an accident can often exceed coverage limits, it might be a good idea to purchase higher coverage limits than what a state requires. In the event that you cause an accident and damages exceed the amount covered by the policy, you'll be required to pay these costs out of pocket. Learn more.

How are car insurance rates determined?

Many factors affect your car insurance rate, such as your age, gender, marital status, credit score, state requirements, driving history, annual mileage, claims history, coverage level, and the type of vehicle you drive, to name a few. Not all insurance companies use the same parameters, so ask your agent how your rate is determined and what can be done to lower your cost of car insurance. Learn more.

There are many different auto insurance options out there. And the process of researching and comparing them all can be overwhelming. So before you start shopping for coverage, let’s look at the six most common types of car insurance and what they offer.

Liability Coverage

Provides coverage for injuries and property damage to others if you're liable for an accident. Liability is required in most states to drive a vehicle legally.

Collision Coverage

Covers damages to your car caused by accidents with other vehicles or objects, like light posts or fences, regardless of who is at fault. Collision is typically required for leased or financed cars.

Comprehensive Coverage

This coverage serves as an extra level of protection if your car is damaged by something other than a collision, like weather events, fire, vandalism, or an accident involving an animal.

Personal Injury Protection

PIP helps cover certain medical expenses and loss of income resulting from a covered accident regardless of who's at fault. Personal Injury Protection is required in no-fault states.

Uninsured/Underinsured Motorist

This covers certain medical expenses and damages to your car after an accident with an uninsured/underinsured driver. Required in some states, but not all.

Medical Payments Coverage

This coverage helps pay medical costs for you and any passengers, regardless of who's at fault in the car accident. It is required in New Hampshire, Pennsylvania, and Maine.

You might also want to consider other emergency car insurance coverage. Click here to learn more about gap insurance, rental reimbursement, emergency roadside assistance, and mechanical breakdown insurance.

If you’re not driving as often, let your insurance provider know.

On average, car owners drive 12,000 per year. But if you're driving less due to retirement, change of commute, or a work-from-home situation, let your provider know. Reporting reduced car mileage could shave 5-10% off your car insurance.

Nice wheels. Keep ‘em safe.

Ready for more insight? Read our Auto Insights blog.

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