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 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., Car insurance rates vary by driver, vehicle, location and company. Your age, ZIP code, car, and driving history all affect your price, but so does the insurer you choose. Two similar drivers can get very different quotes from different insurers..