| You know you need car insurance, but do you | | | | * Uninsured and underinsured motorist coverage, |
| really know what the different types of auto | | | | which pays if you're hit by a driver who doesn't |
| insurance coverage are? How much car insurance | | | | have enough insurance. |
| you need? Or how you can find the best rate on | | | | * Towing and rental coverage, which pays if you |
| car insurance? Here's a simple guide that answers | | | | have a breakdown and need to have your vehicle |
| those questions. | | | | towed and if you need to rent a vehicle while |
| What are the different types of auto insurance | | | | yours is being repaired. |
| coverage? | | | | How much insurance do I need? |
| Car insurance protects you against financial loss if | | | | Most states have minimum insurance |
| you have an accident or your car is stolen. A car | | | | requirements for liability insurance. You can check |
| insurance policy can include several different types | | | | your state's department of insurance website to |
| of coverages: | | | | find out what the minimum requirements are for |
| * Bodily injury liability, which pays for injuries that | | | | your state. Note, though, that you may want to |
| you cause someone else. | | | | buy higher limits of coverage. |
| * Property damage liability coverage, which pays | | | | Collision or comprehensive coverage is not |
| for damage that you cause to someone else's | | | | required by state law, but if you're buying a new |
| property. | | | | car your lender may require it. |
| * Medical coverage, which pays the cost of | | | | How do I find the best rate on car insurance? |
| treating your injuries, or those of your | | | | To save time and money when you shop for car |
| passengers, after an accident. | | | | insurance, go to an insurance comparison website |
| * Collision coverage, which pays for damage to | | | | where you can compare quotes from multiple |
| your car caused by flipping over or colliding with | | | | insurance companies. As an added benefit, the |
| another car or an object. | | | | best insurance comparison websites have |
| * Comprehensive coverage, which pays you if | | | | insurance professionals on hand to answer your |
| your car is stolen or damaged by something | | | | car insurance questions. (See link below. |
| other than a collision. | | | | |