Types

• Get quotes on a policy that fits your needs. A liability policy is the least amount of coverage allowed in any state, and also the cheapest. It pays for the people and objects you harm in an at-fault accident (but not those in your car). Comprehensive coverage can be added, covering damage to your car for "other than collision," which includes damage caused by nature or animal impact. A full coverage policy includes collision coverage, covering any damage to your car and the occupants within it, even if you are at fault.
  
  

Considerations

• Prices can differ, depending on the deductibles and policy limits you choose. Your deductible effects price--the higher your deductible, the lower your premium payment. State-mandated insurance coverage offers the lowest coverage possible per person and per accident. Raising your limits to protect yourself in the event of a serious accident is often just dollars more a month.
  
  

Discounts

• To shop and compare policies for your new car, know your safety features. Discounts are available for vehicle safety features such as anti-lock brakes, traction control, airbags, an active or passive alarm or a vehicle-locating device like OnStar. Some companies discount for college degrees, marital status, home ownership or multi-car or multi-policy coverage. Ask before you receive a quote if any discounts apply to you.