Auto insurance coverage basics
Auto insurance policies can combine several coverage types. State rules, lender requirements, driving history, vehicle type, location, and selected limits all affect what options are available and what they cost.
Coverage types to understand
- Bodily injury and property damage liability.
- Collision coverage for covered vehicle damage after an accident.
- Comprehensive coverage for theft, vandalism, weather, glass, and other non-collision events.
- Uninsured or underinsured motorist coverage.
- Medical payments, personal injury protection, roadside assistance, and rental reimbursement where available.
Quote details that help
Have driver information, garaging ZIP code, vehicle year/make/model, current coverage, desired limits, and recent claims or violations ready when speaking with a provider.