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Liability coverage is required by most states. Common minimums are $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. However, requirements vary by state, so check your state's specific requirements.

Required in most states, liability insurance covers injuries and property damage from accidents you cause. It has two components: bodily injury liability (covers medical expenses and lost wages for others) and property damage liability (covers damage to other people's property).

Optional but recommended for new or valuable cars, collision insurance covers damage to your vehicle from collisions with other vehicles or objects, regardless of who is at fault.

Comprehensive coverage protects against non-collision damage including theft, vandalism, fire, natural disasters, falling objects, and animal strikes. It's optional but recommended for newer vehicles.

This coverage protects you in accidents with drivers who have no insurance or insufficient coverage. It covers your medical expenses, lost wages, and vehicle damage when the at-fault driver can't pay.

Both cover medical expenses regardless of fault. PIP also includes lost wages and rehabilitation costs. Some states like Florida require PIP coverage. MedPay is typically optional and covers only medical expenses.

Rental reimbursement covers the cost of a rental car while your vehicle is being repaired due to a covered accident. It typically has daily and total limits.

Gap insurance is useful when you owe more than your car's actual cash value. If your car is totaled, it covers the difference between what you owe and what your insurance pays. It's especially valuable for new cars that depreciate quickly.

Key factors include your driving record, age, gender, location, vehicle type, coverage options, credit score (in most states), and annual mileage. Insurers weigh these differently, which is why comparing quotes is important.

Lower mileage typically means lower premiums because you're less likely to be in an accident. Many insurers offer low-mileage discounts for drivers who drive less than average.

In most states, insurers use credit-based insurance scores. Higher credit scores typically result in lower premiums, while lower scores can significantly increase your rates.

Yes, accidents typically increase your rates because they signal increased risk to insurers. The increase depends on the severity and who was at fault. Some policies offer accident forgiveness that prevents your first accident from raising rates.

Yes, insurers regularly review your DMV records and adjust premiums based on traffic violations. Speeding tickets typically cause rate increases that last 3-5 years.