Car insurance is required in most US states.
It protects drivers financially after accidents.
Liability coverage pays for other people’s damages.
Collision coverage pays for your car repairs.
Comprehensive coverage covers theft and natural disasters.
Insurance companies calculate risk carefully.
Your driving record affects your premium.
Young drivers usually pay higher rates.
Safe drivers get discounts.
Insurance cards must be carried while driving.
Police may ask for proof of insurance.
Uninsured drivers face fines and penalties.
Claims are filed after accidents.
Photos and reports help with claims.
Deductibles apply before payment.
Some policies include roadside assistance.
Rental car coverage may be optional.
Rates vary by state and city.
Comparing quotes saves money.
Car insurance brings peace of mind.