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  Car Insurance: Understanding the Basics and Finding the Right Coverage As a car owner, you know the importance of having insurance to protect yourself and your vehicle from the unexpected. Car insurance is a legal requirement in most states, but it can also provide peace of mind knowing you’re financially protected in the event of an accident or theft. However, with so many options and confusing terms, it can be overwhelming to navigate the world of car insurance. In this article, we’ll explain the basics of car insurance, types of coverage available, and how to find the right policy for your needs. Table of Contents Understanding Car Insurance What is car insurance? Why do you need car insurance? What does car insurance cover? Types of Car Insurance Coverage Liability Insurance Collision Insurance Comprehensive Insurance Personal Injury Protection (PIP) Uninsured/Underinsured Motorist Coverage Factors that Affect Your Car Insurance Premiums Your Driving Record Your Ag