• Liability coverage – protects you from the legal and monetary effects of incidents putting you at risk. This type of coverage is required by every state to legally drive.
• Medical payments coverage – which provides medical coverage for you or your family in the event of an accident
• Uninsured motorists coverage – protects you and your family from the costs of bodily injury and property damage if you are involved in an accident with someone who does not have insurance. You might note that nation-wide almost 17% of individuals do not have insurance.
• Physical Damage Coverage – if chosen, protects your property, the car, from comprehensive damage: wind, weather, fire, theft, vandalism, or animal damage; collision coverage protects you from the costs of collision to your own car.

Auto insurance can protect you from a number of problems. Great car insurance, though, is most valuable for your security. A highly rated insurance company and an excellent agent combine to form the best possible insurance coverage available.
To acquire great insurance, perform the following steps:

• Ask your friends and neighbors about insurance companies and agents they might recommend.
• Examine each of the insurance companies on A.M. Best’s rating site to determine their financial stability. An insurance company needs to be financially solvent to respond to claims.
• Check the agency you approach for credibility with your State’s Insurance website. They license agents for operation in the state.
• Discuss the experience and expertise of the agent directly with the agent.

Choose your insurance carefully for that great feeling of confidence your insurance can give.