1. Liability Coverage: Covers bodily injury and property damage you cause to others in an accident. It’s required in most states.
2. Collision Coverage: Pays for damage to your car resulting from a collision, regardless of fault.
3. Comprehensive Coverage: Protects against non-collision events like theft, vandalism, natural disasters, or hitting an animal.
4. Uninsured/Underinsured Motorist Coverage: Covers your expenses if you’re hit by a driver with little or no insurance.
5. Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers after an accident, regardless of fault (mandatory in some states).
6. Medical Payments Coverage (MedPay): Pays for medical expenses for you and your passengers after an accident, regardless of fault.
7. Gap Insurance: Covers the difference between your car’s actual cash value and the amount you owe on a loan or lease if your car is totaled.
8. Roadside Assistance: Offers help with towing, flat tires, or battery jump-starts.
9. Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered claim.
10. Custom Equipment Coverage: Protects aftermarket modifications or custom parts on your vehicle.

State requirements for auto insurance vary, but most states mandate certain minimum levels of coverage to legally drive. Here’s what you need to know:

1. Liability Coverage (Mandatory in Most States)

Covers costs if you cause an accident, including:

• Bodily Injury Liability: Pays for medical expenses, lost wages, or pain and suffering for others injured.
• Property Damage Liability: Covers damage to someone else’s property, such as vehicles or structures.

2. No-Fault Insurance (Personal Injury Protection)

In no-fault states, drivers must carry Personal Injury Protection (PIP) to cover their own medical expenses and lost wages after an accident, regardless of who is at fault.

3. Uninsured/Underinsured Motorist Coverage

Required in some states, this covers your medical expenses or damages if you’re hit by a driver without insurance or insufficient coverage.

4. State-Specific Requirements

Some states require additional types of coverage:

• Medical Payments Coverage (MedPay): Similar to PIP but less comprehensive (e.g., in Maine and Pennsylvania).
• Comprehensive or Collision Coverage: Not state-mandated but often required if you’re leasing or financing a car.

5. Minimum Coverage Levels

States set minimum dollar amounts for required coverage. For example, a common format is 25/50/25, meaning:

• $25,000 for bodily injury per person.
• $50,000 for bodily injury per accident.
• $25,000 for property damage per accident.

6. Proof of Insurance

Most states require you to carry proof of insurance and show it during traffic stops, vehicle registration, or after an accident.

To comply, check your state’s specific requirements and ensure your policy meets or exceeds them.

• Safe Driver Discounts: For maintaining a clean driving record with no accidents or violations.
• Multi-Policy Discounts: Save by bundling auto insurance with home, renters, or other policies.
• Multi-Vehicle Discounts: Offered when insuring more than one car on the same policy.
• Good Student Discounts: Available to students with a GPA of 3.0 or higher.
• Defensive Driving Course Discounts: Earn savings by completing an approved driver safety course.
• Low Mileage Discounts: For drivers who travel fewer miles annually than the average driver.
• Usage-Based or Telematics Discounts: Save based on driving habits tracked through a device or app.
• Loyalty Discounts: Rewards for staying with the same insurance provider over time.
• Affinity or Employer Discounts: Offered to members of certain organizations or employees of specific companies.
• Vehicle Safety Discounts: Savings for cars with features like anti-lock brakes, airbags, or anti-theft devices.
• Pay-in-Full Discounts: Reduction in premiums for paying the entire policy upfront.
• Paperless or Auto-Pay Discounts: Savings for enrolling in automatic payments or going paperless.
• New Customer Discounts: Incentives for switching providers or signing up for the first time.