Auto insurance typically includes several types of coverage, each serving different purposes:
Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident. It includes
Bodily Injury Liability (BIL) to cover medical expenses and Property Damage Liability (PDL) to cover damage to others' property.
Collision Coverage: This covers the cost of repairing or replacing your vehicle if it's damaged in a collision, regardless of fault. Comprehensive Coverage: Also known as "other than collision" coverage, it pays for damages to your vehicle from non-collision incidents such as theft, vandalism, fire, natural disasters, or hitting an animal.

Auto insurance premiums are influenced by various factors, including:
Driving Record: Your driving history, including accidents, tickets, and claims, can significantly impact your premiums. Safe drivers with a clean record typically pay lower premiums.
Vehicle Type: The make, model, age, and safety features of your vehicle can affect insurance rates. Expensive or high-performance vehicles may have higher premiums.
Coverage Limits: Higher coverage limits and lower deductibles can increase premiums, while opting for minimal coverage may reduce costs.

Auto insurance companies offer various discounts and options to help reduce premiums or enhance coverage:
Multi-Policy Discount: Bundling auto insurance with other policies (such as homeowners or renters insurance) from the same insurer can often lead to discounts.
Good Driver Discount: Maintaining a safe driving record with no accidents or violations typically qualifies you for lower premiums. Vehicle Safety Features: Installing anti-theft devices, airbags, or anti-lock brakes can qualify you for discounts.