* Liability insurance—the minimum coverage required by most states—protects you if you’re at fault in an accident resulting in injury to another and/or damage to another’s property. * Collision insurance pays for damage to your own car when you’re at fault in an accident. * Uninsured/Underinsured Motorist coverage protects you when you’re involved in an accident that is not your fault and the driver at fault is uninsured or doesn’t carry enough insurance to compensate you for your loss. * Comprehensive coverage pays for damage to your car that is unrelated to a collision, such as theft, storm damage, fire or vandalism.

Secondly, keep in mind that many insurers offer premium discounts for non-smokers, low-mileage vehicles, safety or antitheft devices, or mature-driver classes. These special benefits can amount to serious savings every year. When researching insurance companies, remember to ask what types of discounts they provide.

Finally, when obtaining auto insurance quotes, be sure to choose a financially stable insurance company with a record of good customer service and prompt claims processing.

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