Auto insurance helps protect drivers from the financial consequences of covered accidents, theft, and vehicle damage. Understanding the available coverage makes it easier to choose a policy that fits your needs.

Common Auto Insurance Coverages

• Liability coverage: Helps cover eligible claims for injuries or property damage you cause to others.
• Collision coverage: May help pay for damage to your vehicle after a covered collision.
• Comprehensive coverage: May protect against selected non-collision events such as theft, fire, or weather damage.
• Uninsured motorist coverage: May provide protection when an at-fault driver lacks adequate insurance.

Factors That Influence Cost

Premiums may depend on driving history, location, vehicle type, mileage, coverage limits, deductible, and claims history. Compare quotes using the same coverage levels for a fair evaluation.

Ways to Reduce Risk

Maintain your vehicle, follow traffic laws, avoid distracted driving, and review your policy after moving or changing vehicles.

Coverage and requirements vary by insurer and location. Review the policy documents carefully.