| A | B |
|---|
| Liability insurance | covers when liable for an accident where others are injured or killed |
| Collision insurance | pays for loss or damages to insured person’s car due to accident |
| Comprehensive physical damage insurance | pays for losses due to fire, theft, falling objects |
| Medical payments coverage | pays insured’s medical expenses resulting from accident |
| No-fault auto insurance | pays claims regardless of who is at fault |
| Underinsured motorist insurance | insurance covers difference between liability coverage and underinsured motorist and the amount of losses |
| Rental reimbursement | covers costs of renting a car while yours is being repaired |
| Amount of coverage | the more you buy, the higher the premium |
| Driver classification | age, sex, marital status of driver |
| Driving record and habits | high-risk drivers find it harder to buy insurance |
| Cost of vehicle | higher rates for luxury cars |
| Amount of deductible | amount insured pays before insurance company pays on claim |
