Types of Coverage
Liability
Covers damages you cause to others. Required in most states.
Collision
Covers your car if you hit something.
Comprehensive
Covers theft, weather, vandalism.
Uninsured Motorist
Protects you from uninsured drivers.
How Rates Are Calculated
| Factor | Impact |
|---|---|
| Driving Record | Very High |
| Age | High |
| Credit Score | High |
| Location | Medium-High |
| Vehicle Type | Medium |
How to Save Money
- Compare quotes from 3+ companies
- Bundle with home insurance (10-25% off)
- Raise your deductible
- Ask about all discounts
- Use telematics programs
- Pay annually instead of monthly