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Every state has different minimum requirements, typically for liability coverage (bodily injury and property damage). State minimums are often too low to fully protect your assets. We generally recommend limits of at least 100/300/100 for a serious accident.

Collision covers damage to your vehicle if you hit another car or object. Comprehensive covers non-collision events such as theft, vandalism, fire, falling objects, or hitting an animal. If you finance a car, your lender typically requires both.

In many cases, yes. Comprehensive and collision often extend to a rental car for personal use in the US and Canada. Always confirm with your agent before declining the rental company's insurance - "loss of use" charges can still be excluded.

There are several ways to save:

• Bundle auto with home or renters.
• Increase your deductible (for example, $500 to $1,000).
• Ask about safe driver, good student, and low-mileage discounts.
• Maintain a good credit score where it is used.
• Compare quotes every year before renewal.

Rates can rise from "rate revisions" across your ZIP code or state - more claims, higher repair costs, or severe weather. Credit changes and a new address can also move your personal rate.

1. Make sure everyone is safe and call 911 if there are injuries.
2. Move to a safe location if you can.
3. Exchange name, insurance, and phone with other drivers.
4. Photograph the scene and damage.
5. File a police report.
6. Contact your insurer to start a claim.