Collision coverage pays for repairs to your own vehicle in the event of an accident, regardless of who is at fault. If your car is totaled in a collision, this coverage can help replace it or provide a payout based on the car's actual cash value.

Usually referred to as "Comp," this covers damage to your vehicle that does not result from a collision. This includes damage from theft, vandalism, natural disasters (such as floods, earthquakes, and wildfires), falling objects, and animal collisions.

If you are involved in an accident with a driver who does not have insurance (uninsured) or does not have adequate insurance to cover your damages (underinsured), this coverage will protect you and your vehicle.

Is transportation a critical aspect of your lifestyle? If so, include this coverage, which compensates for renting a replacement or substitute transportation while your car is being repaired after a covered accident.

This coverage can help with expenses related to towing your vehicle or providing roadside assistance services such as jump-starts, tire changes, and lockout assistance.

If you have a vehicle loan or lease, gap insurance can be helpful. It covers the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease in case your car is totaled.