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Auto insurance policies very from state to state. They consist of a package of different coverage elements which together form your policy. Most states require you to carry automobile insurance, at least liability coverage on your auto. (This is to protect the other guy not you.) If you intend to protect your auto, assets or personal property against loss it would be advisable to purchase more than just the minimum liability coverage. Given to high cost of replacing a automobile today, collision and comprehensive coverage are included in most automobile insurance policies.

Auto Insurance - What is covered?

Auto insurance policies can (but does not have to) include coverage for up to six distinct risks, each of which is priced separately. They are:

Auto Insurance - Bodily injury liability, for injuries the policyholder causes to someone else.

Auto Insurance - Medical, or in some states, Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Auto Insurance - Property damage liability, for damage the policyholder caused to someone else's property.

Auto Insurance - Collision, for damage to the policyholder's car from a collision.

Auto Insurance - Comprehensive, for damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

Auto Insurance - Uninsured motorists coverage, for treatment of the policyholder's injuries as a result of collision with an uninsured driver. No state requires car owners to carry insurance for all these risks. But many states require drivers to carry minimum amount of liability insurance for bodily injury and property damage, as well as personal injury protection coverage.

Money Saving Ideas - Auto Insurance

Save on Auto Insurance - Choose a safe car.
When you buy or lease a car, choose on the basis of safety features and the cars record of crashworthyness, if it is easily damaged and repair costs. If the safety features you want such as air bags are not offered, complain to the auto makers. Some of them already are getting the message. Safety sells.

Save on Auto Insurance - Drive smart.
Drive carefully and use safety belts and child restraints. Always drive defensively and stay alert. Never get behind the wheel impaired by alcohol or other drugs. Obey speed limits and other traffic laws. Set a good driving example for your children. Support enforcement efforts by the police and courts against drunk driving.

Save on Auto Insurance - Fight insurance fraud. Fraudulent claims can cost your insurance company millions of dollars each year. These costs are passed on to you, the policyholder in increased premiums. Report fraud to your insurance company to the State Insurance Department or to law enforcement agencies.

Save on Auto Insurance - Talk to your agent.
You may be able to reduce your premiums by reviewing your policy to reassess the coverage you have. Are your deductibles too low for your financial situation? Do you need the optional coverage? Does your coverage duplicate other coverage you have? Your agent or company representative can help you analyze your policy to identify savings. Shop for auto insurance: compare prices, coverage and quality of service. Keep your driving record clean to get lower premiums. Take advantage of discounts offered by your company.

Save on Auto Insurance - Secure your automobile. Many companies offer discounts if you install an active or passive auto anti-theft device in your car or if you etch the vehicle identification number in the corners of your windows. Park your car in a protected area. Always lock your car. Never leave packages or belongings in sight in your car. Avoid known high-risk parking areas.

Save on Auto Insurance - Help control medical costs. Quality medical care is not necessarily the most expensive. Challenge doctor or hospital fees that appear to be unreasonable or that seem to be unnecessary treatment. Educate yourself on appropriate medical treatments and avoid unnecessary medical charges from your doctor and hospital.

Save on Auto Insurance - Lower your repair costs. Replacement parts supplied by someone other than the auto manufacturer can save up to 33 percent on repair costs. Certified replacement parts have been found to be equal in quality to the original manufacturer s parts with warranties that also are equal or better. Used parts are also a cost effective alternative in quality auto repairs.