Think of car insurance as a safety net. You pay a premium, and if something happens to your car—like an accident or theft—the insurance company helps cover the costs.

It's not just a good idea; it's the law in most states. Without it, you could face fines, lose your license, or worse. Plus, it gives you peace of mind when you're driving to class or a weekend road trip.

• Liability Insurance: Covers damage/injury to others if you're at fault.
• Collision Coverage: Helps repair your car after an accident, no matter who's at fault.
• Comprehensive Coverage: Covers theft, fire, or storm damage.
• Personal Injury Protection (PIP): Helps with medical expenses after an accident.
• Uninsured/Underinsured Motorist: Protects you if the other driver doesn’t have insurance.

You pay a regular premium to keep your insurance active. If you need to file a claim, you'll pay a deductible first, and then the insurance covers the rest.

It depends on several factors:

• Your age and driving history.
• The car you drive.
• Your coverage choices.
• Where you live.

As a college student, you might get discounts for good grades or being a safe driver.

First, meet your state’s minimum requirements. Then, think about your car’s value, your budget, and your driving habits. Do you drive a lot or just occasionally?

You can buy car insurance through agents or directly online from insurance companies. Compare different options to find the best deal for you.

Always carry your proof of insurance in your car. Review your policy to understand what’s covered and what’s not.

First, make sure everyone is safe. Then, exchange information with the other driver and file a claim with your insurance company. You'll pay a deductible, and your premium might increase.