Auto insurance may be expensive, but if you're already spending a lot, shouldn't you get a lot? Optional coverages such as gap coverage, roadside assistance, rental reimbursement, uninsured/underinsured motorist coverage, and comprehensive coverage can provide a lot of protection for a little price increase. Comprehensive coverage is usually the most expensive of these coverages, but is still usually about half the price of collision coverage and a third the price of liability coverage.

US car insurance company offers you different types of insurance related to car insurance such as insurance for van, car insurance, vehicle insurance, motor insurance .bike insurance and insurance on many other products.

The Different Types of Car Insurance
Again, the basic function of car insurance is to financially protect the policy holder from costs associated with vehicle damage, bodily harm and property damage of all persons involved in a car accident. There are many choices, all of which carry varying levels of coverage:

- Liability

- This coverage pays for damages sustained to others or their property in the event of an accident. It will also pay court costs. In many states, it's the bare minimum needed to legally operate a car on public roads.

There are two types of auto liability insurance:

bodily injury liability and property damage liability.

Bodily injury liability is designed to pay the medical expenses and lost wages in the event of an accident. There are two set limits on bodily injury auto liability insurance. One limit is the amount that will be covered for each person that is injured in an accident. The second limit is the total amount that your insurance company will pay for the entire claim.

Property damage liability insurance pays for damage that is sustained to someone's property. This also pays for an attorney and the settlement if you are sued. The limit of property damage auto liability insurance will probably be the same amount as your collision and/or comprehensive limits.

-  Collision

- This covers damages to your car in the event that you collide with another vehicle or object. If you cause an accident, collision coverage will pay to repair your vehicle. You usually can't collect any more than the actual cash value of your car, which is not the same as the car's replacement cost. Collision coverage is normally the most expensive component of auto insurance. By choosing a higher deductible, say $250 or even $500, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

-  Comprehensive

- This covers several types of damage which include theft, fire, vandalism or extreme weather conditions. Comprehensive coverage will pay for damages to your car that weren't caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer wi ll only pay as much as the car was worth when it got wrecked.

-  Medical - This covers medical expenses associated with injuries sustained in a car accident.

-  PIP (Personal Injury Protection)

No fault auto insurance is a term used to describe insurance plans in certain states that pay benefits to policyholders, and sometimes their passengers, regardless of the party responsible for the accident. This type of coverage is auto insurance law in Puerto Rico and nine participating states including Florida, Hawaii, Kansas, Michigan, Massachusetts, Minnesota, New York, North Dakota and Utah. In addition, New Jersey, Pennsylvania and Kentucky allow drivers to choose between no-fault and traditional coverage.

 -  Uninsured/Underinsured

Uninsured motorists (UM) coverage pays for your injuries if you're struck by a hit-and-run driver or someone who doesn't have auto insurance. It is required in many states. Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages.