Types of car insurance

It's good to have an idea of what kinds of auto insurance you want when you're ready to compare car insurance quotes. Here are the main coverage types.

Liability insurance.

This is required in most states and is the foundation of auto insurance policies. Liability coverage pays others for accidents you cause, including injuries and property damage. Note that liability insurance does not cover any damage to your own car.

Collision insurance

This pays for damage to your car if you hit something, such as a pole or tree.

Comprehensive insurance

This pays out if your car is stolen. It also covers damage to you car if you hit an animal or if you have damage from flood, fire, hail, vandalism or falling objects (such as a tree branch).

Uninsured motorist (UM) insurance

If you're injured by a driver who has no liability insurance, this coverage pays medical bills. In some states you can also buy a version that covers car damage from an uninsured motorist.

Personal injury protection (PIP) and medical payments (MedPay) coverage

These pay for injuries of you and your passengers, no matter who was at fault. Some states require PIP, where it is sometimes called "no-fault insurance.

Rental reimbursement insurance

If your car is in the shop due to an accident covered by your policy, this helps pay for a rental car. It typically has a daily and total maximum that it will pay.

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