Loss to the car, or caused by the use of the car and auto insurance is available in three broad categories, each designed to cope with a different aspect of damage. Is often legally mandatory and the most common form, liability insurance. A limited cover can be taken via liability insurance that covers only the damage done to others in an accident. Without damage to the car to identify the main purpose of liability insurance, the destruction of human life and property is damaged and to ensure it is in use that does not occur, the cost of the damage fullness being paid for by the Ministry of Elements to be bundled with a full insurance. Collision insurance is most common. But includes damages to the owner's car as well as to any other car damaged and the collision insurance essentially covers the issues dealt with inliability insurance. In addition to the passengers in either car, it insures both the driver as well as the car. Some plans will cover a rental car but it isn't likely that it will cover a car that is borrowed from a friend or neighbor. collision is nothing but accident. in some cases the definition of accident may be involved by animals etc., Comprehensive insurance is the next category. Comprehensive insurance covers many possible kinds of automobile damage, and also includes collision coverage. Various policies cover a range of hazards: coverage for theft and fire are quite typical. A very real concern in many suburbs and rural communities as white-tail and mule deer populations grow and come in contact with human habitats and the depending on where you live and what problems are likely, you may wish to find comprehensive that includes protection against vandalism, or against damage from weather, or from moving accidents involving animals like deer. The last group needs to be filed under miscellaneous. Different types of policies are available to cover different hazards and an array of vehicle types. You can also insure your automobile against what is called "loss of use." (when it is being fixed, for instance), and to acquire insurance to cover collisions with both the uninsured and the under-insured. Most aren't aware that you can even get coverage for items kept inside the car. As you add extra features to your comprehensive policy the cost is going to increase. From the supplier to the specific plan you pick, you first need to do some research and to figure our what insurance is best for you. Contacts various firms and read their literature pertaining to the plans they offer. Of course you should perform a web search, which is the simplest, most valid and extensive way to make comparisons. First figure out what you need, then shop around for the best price. As we said before, you may do that the old-fashioned way, or you may do various checks over the Internet. After you have done your homework and have all the facts on pricing and policies then you are ready to make a smart and informed choice on which insurance company to go with and which plan to purchase.