This coverage applies to injuries that you cause to someone else. It's important to have enough liability insurance, in case you are sued by the person you injured. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.
Collision coverage pays for damage to your car resulting from a collision with another car or object. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible - the higher your deductible, the lower your premium.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, windstorm, hail, flood, or contact with animals such as birds or deer.
Medical coverage can help cover the medical expenses associated with auto accidents.
This coverage will reimburse you if you are hit by an uninsured driver or someone that does not have enough insurance.
Take advantage of discounts you may by eligible for if you own your own home, have a clean driving history and/or have a student living away from home.