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Guided Solutions
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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.
We're the better way to get insurance
Getting car insurance is fast and easy when you let us do the shopping 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 I 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.
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.
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.
Keep your ride safe with Auto Insights
Our Auto Insights blog provides articles to help you navigate the in’s and out’s of auto insurance.
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Guided Solutions is an affiliate of Baldwin Risk Partners. Guided Solutions is the brand name of Guided Insurance Solutions LLC (NPN 18756536). Guided Insurance Solutions LLC does business as Guided Insurance Solutions and as Guided Personal Insurance Solutions in CA (Lic.6003057).
Guided Medicare is a brand of BRP Medicare Insurance LLC. BRP Medicare Insurance III LLC dba Guided Medicare Solutions. All insurance commerce is through BRP Medicare Insurance III LLC. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options. BRP Medicare Insurance III LLC is not affiliated with or endorsed by Medicare or any government agency. BRP Medicare Insurance III LLC does not discriminate based on race, color, national origin, age, disability, or sex. Calling this number or submitting data on our website will direct you to a licensed agent. No obligation to enroll.
Leave the insurance to us.
Insurance Solutions
Company
Resources
Guided Solutions is an affiliate of Baldwin Risk Partners.
Guided Solutions is the brand name of Guided Insurance Solutions LLC (NPN 18756536). Guided Insurance Solutions LLC does business as Guided Insurance Solutions and as Guided Personal Insurance Solutions in CA (Lic.6003057).
Guided Medicare is a brand of BRP Medicare Insurance LLC. BRP Medicare Insurance III LLC dba Guided Medicare Solutions. All insurance commerce is through BRP Medicare Insurance III LLC. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options. BRP Medicare Insurance III LLC is not affiliated with or endorsed by Medicare or any government agency. BRP Medicare Insurance III LLC does not discriminate based on race, color, national origin, age, disability, or sex. Calling this number or submitting data on our website will direct you to a licensed agent. No obligation to enroll.