Most cheap full coverage options include liability, comprehensive coverage and collision coverage. Deductibles for comprehensive and collision are around $500 each on average.

Car insurance premiums may change at any time depending on the circumstances and any accidents you may be involved in, but car insurance policies generally automatically renew every year.

We recommend drivers carry:

• Comprehensive Coverage: This coverage provides compensation for loss of or damage to the vehicle due to fire, lightning, hail, wind, falling objects, theft and vandalism.
• Collision Coverage: This provides compensation for damage or loss of the vehicle due to collision with another vehicle or object.
• Liability: This covers bodily injury and property damage the driver may cause someone else while operating the insured vehicle. It can cover the victim's medical expenses as well as the driver's legal fees should the victim decide to sue.
• Personal Injury Protection: Also known as PIP, this insurance covers medical expenses for the driver and their passengers after an accident, no matter who is at fault.
• Uninsured/Underinsured Motorist: This insurance covers damages caused by another driver who isn't carrying insurance at the time of the accident.

Without proper auto insurance, you could face hundreds or even thousands of dollars in expenses related to repairs, medical bills and legal fees. With insurance, some of that burden will leave your shoulders and help you recover after an incident.

Young adults should carry full coverage auto insurance to cover the possibility of a wreck. Most young adults can't afford surprising bills of hundreds or thousands of dollars due to an accident, which is why they need a reliable car insurance policy to help cover the costs.

Auto insurance limits should depend on state required minimums and the value of your vehicle. Speak with an agent today about discovering the right amount of coverage for you.