Basic car insurance typically covers liability and personal injury protection (PIP). Liability coverage includes bodily injury and property damage to others if you're at fault in an accident, and PIP pays for medical expenses for you and your passengers. Depending on your state, some basic policies also offer uninsured motorist coverage to protect you if the other driver lacks insurance. It's always best to check with your insurer to determine your policy's coverage., A car insurance quote is an estimate of what you can expect to pay for insurance coverage from a specific company. Auto insurance quotes are determined by the personal information you provide. Credit score, driving history and age are all factors that contribute to auto insurance rates., If you own a car, you need auto insurance. A car insurance policy helps provide financial protection for you, and possibly for others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with great rates, discounts, and options available to you. Start Your Quote. Learn more about car .