Property damage insurance covers damage to another car, a house, or other personal property, if you are at fault. Liability insurance protects you from being sued by someone else in the event of an accident for their injuries or personal property damage up to the limits of your coverage. Collision insurance, usually for newer cars, compensates for damages to the insured driver's car in cases of a collision with another car. Comprehensive insurance covers losses caused by vandalism, fire, broken windshield, theft, or other abuses. Failure to have automobile insurance is against the law, and leads to fines, possible imprisonment, and having your driver's license revoked or suspended.
Many private companies offer automobile insurance at different rates.
When purchasing car insurance, it is important to consider that the amount of insurance purchased should depend on the value of the car. It is wise to compare prices and the extent of coverage with at least two automobile insurance agents before choosing a policy. You should choose the type of insurance coverage that best meets your driving needs, and meets the state law requirements. If a front-seat passenger under 16 years of age is not restrained by a child restraint device or fails to wear a seat belt, the driver of the car will be charged with violating this law. If a front-seat passenger 16 years of age or older fails to wear a seat belt, the passenger will be charged with violating this law.