It does not compensate you for any pain and suffering damages that you may incur as a result of an accident. However, in most serious accidents, where the likelihood of incurring these non-economic losses is greatest, you regain your rights and therefore the ability to sue the negligent party for pain and suffering. A number of factors can affect your cost of your automobile insurance, some of which you can control and some of which are beyond your control. The type of car you drive, the purpose the car serves, your driving record, and where you live can all affect how much your automobile insurance will cost you. Even marital status can affect your cost of insurance.
Statistics show that married people tend to have fewer and less costly accidents then single people.
There are a number of things you can do to lower the cost of your automobile insurance. Look for any discounts that you may qualify for. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have multiple policies with the same company. Be sure to ask your insurance agent about their discount plans. I understand there are organizations that assign financial ratings to insurance companies.