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Auto insurance is a legally required contract between you and an insurance company that protects you against financial loss in the event of an accident or theft. Understanding the components of a policy and how to customize coverage ensures you are neither underinsured nor overpaying. Core Coverage Types

A standard policy typically bundles several types of protection:

: Pays to repair or replace your own vehicle after it hits another car or a stationary object like a tree.

Compare Car Insurance Rates Side-by-Side in 2026 - The Zebra