There are types of Coverage and it can vary from state to state.

Personal Injury Protection is an insurance coverage for the medical reasons that you receive from an auto accident. This covers your medical expenditure. - Collision Insurance coverage makes a payment for the damages that has been caused to your vehicle in some accident. - Comprehensive insurance coverage assists you to make a payment for the losses that are incurred by flood, fire, theft or any natural calamity. Deductibles- The deductible is the amount you must pay toward a claim before your insurance begins to pay. The factors such as getting physically injured or damage to your tangible property are expelled from your policy statement. This also includes situations where you have damaged or trying to hurt anybody. There are some of the important factors that you can’t deny and which also affects the premiums you pay for your auto insurance like- the parking place of your car, the model of your car, how old are you, name of the state where you reside, and your driving history. These factors are important but following are some of the important points which can minimize your insurance premiums: - It is very important to keep your driving record clean to have a lower insurance premium. - By increasing your deductible amount - By providing proper parking space for your vehicle. - Abolishing additional insurance like the labor cost and insurance for the rent from the auto insurance. - You should not prefer those vehicles which can easily get stolen or which has costly maintenance. - Don’t hesitate in inquiring about some discounts you can get for your auto insurance like- if your car mileage is low then ask about for any premium decrease which is done for some specific miles and also for various anti theft gadgets.