1. Auto insurance safeguards your investment in a vehicle against accidents, theft, vandalism, or natural disasters.

2. Premiums paid to the insurer replace out-of-pocket costs for accidents or damages.

3. Car insurance covers vehicle damage, property injuries, medical bills, and funeral expenses from accidents.

4. State requirements dictate minimum liability coverage, while some states need other types like uninsured motorist coverage.

5. Premiums are regular payments, deductibles are paid when filing a claim for coverage.

6. Comparing rates is crucial for optimal coverage at the right price.

7. Car insurance is a contract where premiums provide protection from financial losses due to accidents.

8. Coverage includes vehicle damage, injuries, property damage, and medical expenses.

9. State mandates demand bodily injury and property damage liability coverage.

10. Additional coverage like gap insurance can be required when financing a car.

11. Premiums vary by age, gender, driving history; higher risk or more coverage increases costs.

12. Higher deductibles reduce premiums but require covering more expenses when filing claims.

13. Insurance companies pay according to policy terms; policies can be renewed.

14. Auto insurance covers injuries, damages, medical expenses, lost wages, and more.

15. Personal auto insurance excludes commercial use; supplemental options extend coverage for specific services.