Liability

• If you're found at fault in an accident, you can be held liable for all damages as a result of the accident. Liability insurance can help shield you from paying for those damages out of pocket. Both Allstate and State Farm offer two types of liability coverage -- bodily injury and property damage. Allstate's bodily injury liability can include medical expenses for bodily injury, sickness and disease, loss of income compensation, funeral expenses, legal defense fees and bail bonds for anyone listed on the policy and on-scene emergency aid. State Farm's bodily injury liability includes medical expenses, pain and suffering, legal defense, court costs and lost wages. Allstate's property damage liability includes structural damage to homes and storefronts, vehicle repair and replacement, and repair and replacement of other stationary objects. State Farm's property damage liability covers damaged property and loss of use.
  
  

Vehicle Protection

• Allstate offers this in two forms: collision coverage and comprehensive coverage. Collision is limited to the types of accidents the policy covers. Comprehensive is far-ranging and can cover other types of damage, such as storms, vandalism and other damage caused by non-vehicular accidents. State Farm's collision coverage typically covers collisions with another vehicle, another object or a vehicle rollover. Its comprehensive plan covers damage from such things as fire, wind, flood, hail, vandalism, theft or hitting an animal. In all cases, a deductible applies.
  
  

Additional Protection

• Allstate offers personal injury protection, which reimburses the insured for things such as lost income, medical expenses and child-care expenses they incur due to an accident. Allstate also offers towing and labor-cost coverage, rental car reimbursement, sound system coverage and tape/CD coverage. State Farm's personal injury protection covers medical expenses and can cover funeral expenses, rehabilitation and replacement of lost services. They also cover medical payments, rental reimbursement and emergency roadside service. Both companies offer coverage in the event that you're in an accident with a driver that is not insured or is underinsured.
  
  

Getting a Quote

• Both Allstate and State Farm offer consumers the opportunity to start a policy online, which allows them to determine the right policy while in the privacy of their own home. Each site's quote process assists you in entering all the appropriate factors that determine you coverage needs and your premium.
  
  

Things to Consider

• Consumers should note that many factors influence an insurance quote, including the amount of the deductible and the coverages you buy. But other factors can include your credit rating, your car, where you drive, how much you drive, your age, your sex, your marital status and your driving record. Consumers should consider how a new car will influence their premiums before purchasing.