There are a few different types of auto insurance, and each has its own set of benefits and drawbacks. Here is a primer on the main types:
Personal Auto Insurance: This type of coverage is designed to protect you and your passengers in the event that you are involved in an accident. It typically covers property damage, bodily injury, and death. Personal auto insurance can be expensive, but it can also provide significant protection if you're ever involved in a crash.
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Property Damage Liability Insurance: This type of coverage helps pay for damage to other people's property as a result of your car accidents. It may cover cars, trucks, motorcycles, RVs, boats, and more. Again, this type of insurance can be expensive but it can also help protect you financially if someone is injured as a result of an accident with your vehicle.
Uninsured/Underinsured Motorist Coverage: This type of coverage helps protect you if someone hits your car and doesn't have enough money to cover the damages that they cause. It may also help pay for damages that occur when you're hit by someone who doesn't have liability insurance or proper driver's insurance.
There are many great companies out there, so don't let one bad experience scare you away from getting the best possible rate for your protection.