Car insurance is one of the biggest expenses you face when driving your car. Auto insurance costs vary depending on the type of car, whether you have any tickets or accidents, and what discounts or special offers you are eligible for. Understanding the different types of car insurance policies and how to choose the one that's right for you can help you save some money. Here is what you want to know when looking for the right auto insurance coverage for your driving needs.

Different Types of Insurance Coverage

Auto insurance is a necessity for driving in the United States. If you drive without it, you can face serious penalties and fines or even have your car impounded. But what type of auto insurance do you need to protect yourself and your vehicle?

• Liability Insurance: In the event of an accident, liability insurance pays for damages to the other party, including medical bills and vehicular damage. This covers claims against you, so it is also referred to as "third-party" insurance.
• Comprehensive Coverage: This policy will cover your car for things that are out of your control, like theft, vandalism, fire, and natural disasters.
• Collision Coverage: These policies will pay for damage to your car from a collision with another car or object.
• Uninsured Motorist Coverage: Uninsured motorist coverage pays damages if you are hit by a driver without insurance or one who flees the scene (a hit-and-run).

These are some of the different types of coverage that you might need for your driving. There are other special policies that you might want to talk to your insurance agency about if you need to have extra coverage for your vehicle.  

Insurance for High-Risk Drivers

Some drivers are considered high-risk. This might be due to their driving record or even their credit history. If you're considered high-risk, it might seem like an impossible mission to find the best car insurance for your needs.

Fortunately, there are many options for high-risk drivers when it comes to finding a car insurance policy. Here are some common reasons why an insurance company might consider you a high-risk driver:

• A poor driving record: Speeding tickets, DUIs, and other moving violations can make you more expensive to insure.
• Lack of experience: If you're young and haven't been driving long, insurers may see you as more likely to get into an accident and charge higher prices because of that risk.
• Driving a fancy car: If you own an expensive vehicle, it will cost more to fix if you get in an accident — which means higher insurance premiums as well.
• Living in an area with a lot of accidents or theft: If your neighborhood has a lot of crime or accidents, insurers may charge higher rates across the board.
• Having poor credit history: A bad credit score can actually increase your insurance rates because people with bad credit are more likely to file claims.

These are some of the reasons why you might be considered a high-risk driver and need to have special auto insurance coverage. 

You can save money on a car insurance policy if you look around. Contact a car insurance company today to find the right policy for your driving needs.