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: Required by law in most states, it covers injuries or property damage you cause to others in an accident.

Insurers use a variety of personal and vehicle-related factors to determine your premium: Tips for Saving on your Auto Insurance - NAIC autoinsuranceselect

: Provides coverage if you are hit by a driver who has little or no insurance. Factors That Influence Your Rates : Required by law in most states, it

: Pays for repairs to your own vehicle after an accident, regardless of who is at fault. autoinsuranceselect

: Covers medical expenses for you and your passengers after an accident.