There are many different types of car insurance, but the three most common are liability, collision, and comprehensive. Liability insurance protects you if someone is injured or killed in a car accident that you were involved in. This type of insurance is usually required by law in some states.
Collision insurance covers damage to your car that occurs when it's hit by another car. This coverage can help pay for things like repairs to the car, lost wages if you're out of work due to the accident, and any legal fees related to the accident.
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Comprehensive insurance covers damage to your car that doesn't fall into one of the other two categories. This type of coverage can help pay for things like theft or vandalism, as well as medical expenses if you're hurt in an accident.
There are a few things you can do to get the best deal on car insurance. The first thing you should do is compare rates from different companies. You can use online tools or phone apps to find the best deals.
You can also try to negotiate prices with your current insurer. Be sure to ask about discounts, discounts for bundling insurance with other services, and waiver of fees for accident victims.
If you have a history of driving safely and keeping your car in good condition, you may be able to get a lower premium from a company that specializes in safe drivers. You can also look into getting uninsured motorist coverage if you don't have any accidents on your record or if your rates are too high otherwise.
