Liability Insurance: Covers damages you cause to others.
Collision Insurance: Covers damages to your car from a... moreTypes of Car Insurance Coverage
Liability Insurance: Covers damages you cause to others.
Collision Insurance: Covers damages to your car from a collision.
Comprehensive Insurance: Covers non-collision-related damages (theft, natural disasters).
Personal Injury Protection: Covers medical expenses for you and your passengers.
Uninsured/Underinsured Motorist Coverage: Covers damages if the other driver is at fault and lacks sufficient insurance.
Factors Affecting Car Insurance Rates
Driving Record
A clean driving record can significantly lower your premiums, while traffic violations and accidents can increase them.
Vehicle Type
The make, model, and age of your car affect insurance rates. High-end, luxury, or sports cars typically cost more to insure.
Location
Where you live impacts your rates. Urban areas usually have higher premiums due to increased risk of accidents and theft.
Age and Gender
Young drivers, especially males, often face higher premiums due to their higher risk profiles.
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