Broad Form Car Insurance (Compare Quotes)
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UPDATED: Oct 18, 2021
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- Despite the name, broad form insurance has very limited coverage
- Only a few states offer broad form auto insurance
- Broad form car insurance covers just one driver
- Broad form insurance could be for you if you don’t have a car or if your car is low-value
Have you heard of broad form insurance? Many drivers don’t know what type of car insurance this is or it’s only available in certain states.
While it can cost less than other types of car insurance policies, it only covers one driver. There could be some disadvantages to this type of vehicle insurance, such as leaving gaps in your coverage.
On the other hand, it could be a good option for the basic coverage you need.
This article will break down everything you need to know to decide to buy broad form insurance car insurance.
You don’t have to wait to get broad form insurance car insurance quotes. Our free tool gives you rates from top companies near you for affordable broad form car insurance. Simply enter your ZIP code to see.
What is broad form car insurance?
Broad form car insurance is a type of insurance that provides basic coverage to one driver. This insurance type will satisfy the minimum liability requirements that a state requires by law.
Despite the word “broad,” the coverage is very narrow. It does not cover non-collision damage to your vehicle, personal injuries you get in an accident, or other drivers driving your car.
Since it is a cheaper option, many drivers may want to buy broad form insurance, but it does not cover much.
Unlike other types of insurance, you cannot add on coverage to upgrade it. In short, choosing broad form insurance can leave you unprotected in a number of situations.
On average, buying broad form insurance can save you over $1,000 per year compared to full coverage insurance. You can get broad form insurance for as little as $600 per year in California or $700 per year in Nevada.
Should I get broad form car insurance?
There are still some drivers for whom broad form car insurance can be a good choice. These drivers are those who:
- only drive occasionally and don’t own their own car
- own a vehicle that is not highly valued
- can afford to pay for damages out of their own pocket
- don’t normally drive with passengers in the vehicle
Broad form insurance is also a popular choice for people who just need minimum liability coverage or already have coverage under another insurance policy.
When shopping around for insurance, you may be tempted to save money when you compare quotes. Looking at the cost of a broad form policy compared to that of a full coverage policy, you will notice that broad form insurance costs far less.
Just keep in mind that your coverage will also be less.
Which is better, broad form or comprehensive insurance?
If you’re wondering what comprehensive coverage on a car insurance policy is, this type of coverage is wider-reaching than broad form insurance. Comprehensive policies will cover any damage to your vehicle from an event out of your control.
Examples include damage from weather events or acts of nature, theft, and vandalism. It is different from collision insurance, which will cover damage from another car in a collision.
Basically, damages not covered by collision insurance are covered by comprehensive coverage.
Now that you know the ins and outs of broad form insurance, you can find the right policy for you.
Getting broad form insurance car insurance rates is as easy as entering your ZIP code into our free tool. You’ll get quotes from a top broad form car insurance company near you right away.
Frequently Asked Questions: Broad Form Insurance
Got more questions about broad form car insurance? Here are answers to the most frequently asked questions.
#1 – What states allow broad form insurance?
Only eleven states allow drivers to get broad form insurance for their vehicles: Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, and Washington.
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