CoverSift lays plan types side by side so you can walk into a quote conversation already knowing what questions to ask — no sales calls, no personal data required.
| Coverage type | Typical monthly range | Deductible flexibility | Best suited for |
|---|---|---|---|
| Basic liability auto | $40 – $90 | Low — usually fixed | Older, low-value vehicles; state-minimum requirement |
| Full-coverage autoMost chosen | $95 – $180 | High — adjustable deductible | Financed or leased vehicles; newer cars |
| HO-3 homeowners | $85 – $150 | Moderate | Most single-family homeowners |
| Term life (20-year) | $20 – $60 | N/A — level premium | Income replacement while dependents are young |
Ranges are illustrative national averages for comparison purposes only — your actual quote depends on age, location, driving/claims history and coverage limits.
Understand what you're comparing before the quotes start rolling in.
What each actually pays for after an accident, and when the cheaper option is a real gap.
Read →The one clause that separates these two commonly confused home policies.
Read →Three numbers on your plan summary that only make sense together.
Read →Why most financial educators recommend term for most people — and the cases where whole life fits.
Read →What your landlord's policy does and doesn't cover.
Read →Tickets, claims, credit-based scoring, and the factors that matter more than people assume.
Read →A cheap layer of protection that most people underuse until they need it.
Read →Added August 2026.