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Liability Insurance

Covers damage you cause to others.

Example: Pays for another driver's medical bills after you rear-end them.

Collision Insurance

Repairs to your vehicle after an accident.

Example: Covers body shop costs if you hit a guardrail.

Comprehensive Insurance

Theft, vandalism, fire and natural disasters.

Example: Reimburses you if your car is stolen.

Full Coverage

Liability + collision + comprehensive.

Example: Combined policy for accidents and non-collision events.

SR-22 Insurance

For high-risk drivers and legal requirements.

Example: Required after DUI convictions.

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FAQ: Your Car Insurance Questions Answered

What affects my car insurance rates the most?

Your driving record, age, credit score, vehicle, and location.


How do I find the cheapest car insurance company?

Compare quotes from multiple providers and ask about discounts.


What’s the difference between liability and full coverage?

Liability only covers others' damages. Full coverage includes your own.


Does my credit score matter?

Yes, in most states your credit can impact your rate.


Can I switch car insurance anytime?

Yes, just make sure there's no gap in coverage when you switch.