Coverage guide
Auto Insurance
Auto insurance can combine liability coverage, coverage for damage to your vehicle, medical payments or personal injury protection, and uninsured or underinsured motorist coverage depending on state rules and the policy.
What it covers
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured and underinsured motorist
Who commonly researches it
- Drivers who own or lease a vehicle
- Households with teen drivers
- People financing or leasing a car
When people commonly buy
- Before registering or driving a vehicle
- Before signing a lease or finance agreement
- After major life changes such as a move
Coverage considerations
- State minimums are not the same as enough protection
- Deductibles affect claim costs and premiums
- Lenders may require comprehensive and collision
Common exclusions
- Intentional damage
- Commercial use unless covered
- Normal wear and tear
- Racing or excluded delivery use
Cost factors
- Driving history
- Vehicle type
- Coverage limits
- Deductibles
- Location and annual mileage
Comparison checklist
- Compare identical liability limits
- Check deductibles
- Ask about rental reimbursement
- Review claim support channels
FAQ
Is minimum liability enough?
Minimum limits may satisfy state law, but they may not cover a serious accident. Compare higher limits and ask a licensed agent about your exposure.
What is the difference between collision and comprehensive?
Collision is usually for damage from a crash. Comprehensive is usually for non-collision events such as theft, vandalism, fire, hail, or animal strikes, subject to policy terms.