How does car insurance work? The basics explained.

Key takeaways: Liability insurance is the foundation of any car insurance policy because states require it to cover damages you cause to others in an auto accident. Full coverage car insurance adds protection for your own car, paying for repairs or the replacement in the event of an accident, theft, vandalism, and more. How much you’ll pay for car insurance is related to your risk of being involved in an accident, and full coverage also looks at the value of your car and the amount of your deductible. ...