The more you know about auto insurance policies, the better your insurance decisions will be. Get everything you need to know about your auto policy here.

About Liability & Medical Coverage

A major component of affordable auto insurance online is liability coverage. Liability is usually the portion of your policy that is required by most states. Typically, states require minimum levels of both bodily injury and property damage liability. You will want to be sure to include these coverages when you get quotes on affordable auto insurance online. Medical payments coverage is also an important component of your policy. Here is an explanation of each type of coverage:

• Bodily injury liability. If you kill or injure someone while operating your vehicle, this coverage will pay for the ensuing expenses. Covered costs might include the other drivers' medical expenses, burial costs, emergency aid at the scene of the accident, etc.
• Property damage liability. If you damage someone else's vehicle or other property while operating your vehicle, property damage will provide coverage for the expenses. For example, property damage would the repairs to another driver's car in a covered accident in which you were at fault.
• Medical payments (personal injury). This coverage will help you pay for your medical expenses in a covered accident, regardless of who's at fault.
• Uninsured/underinsured driver. If a driver with no insurance or inadequate insurance injures you or one of your passengers, this coverage will help pay for your medical expenses. In some states, you can also get affordable auto insurance online that allows you to get reimbursed for damages to your vehicle by an uninsured motorist.

Protecting Your Car

You will also want to make sure your affordable auto insurance online quotes include protection for your vehicle. Here are the relevant coverages:

• Collision. This coverage option pays to repair or replace your vehicle up to the cash value of the vehicle in the event of a collision.
• Comprehensive. Your vehicle can be damaged by more than just collisions. For non-accident-related damages, you can get comprehensive coverage to pay for damages caused by weather, theft, vandalism, falling objects, etc.

For questions you may have, check out our frequently asked questions for answers.