Bodily injury liability -- Covers damages when another person is injured or killed in an accident involving your vehicle.
	Property damage liability -- Covers damages when your vehicle causes damage to others' property.
	Medical payments coverage -- Covers medical costs and other damages for injuries to you and your passengers.
	Collision coverage -- Covers loss or damage to your vehicle from a collision with another vehicle or object, when you're at fault.
	Comprehensive coverage -- Covers loss or damage to your vehicle caused by fire, theft, vandalism, windshield damage, striking an animal, floods and certain other perils.
	Uninsured motorist coverage -- Covers damages to you and your passengers when injury or death is caused by an uninsured, underinsured or hit-and-run motorist.

Ways to Save on your Auto Insurance

	Look at higher deductibles -- You can lower your cost by requesting higher deductibles on collision and comprehensive coverage.
	Eliminate collision and/or comprehensive coverage on older cars -- In some cases it doesn't make financial sense to cover older cars of low value with collision or comprehensive coverage.
	Buy a "low profile" car -- Look into the insurance costs for a specific car before you buy it; expensive cars are expensive to repair so they will cost more to insure, as will cars that are the favorite targets of thieves.
	Take advantage of discounts:
	Some companies offer discounts to motorists who drive a limited number of miles each year.
	You may be eligible for additional discounts if you have automatic seat belts, airbags and/or anti-lock brakes.
	Depending upon the insurer, discounts are also offered for no accidents, driver training courses, anti-theft devices, good grades for students and having more than one car insured with the company.