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Losses from property damage, medical and legal costs and lost income add up to billions of dollars annually for automobile mishaps. Automobile insurance plays an important role in protecting consumers from serious financial losses that can result from such accidents. The basic types of auto insurance coverage include: bodily injury liability; property damage liability; medical payments or personal injury protection; collision; comprehensive physical damage; and uninsured or underinsured motorist to name a few. Here is a savings checklist -1) Comparison shop 2) Ask for higher deductibles 3) No comprehensive and/or collision coverages on old cars 4) Buy a 'low profile, Low Maintenance' car 5) Low mileage discounts 6) Location considerations 7) Automatic seat belt and/or airbag discounts 8) Anti-lock brakes 9) Specialty coverages and other discounts such as no accidents in three years; drivers over the age of 50; driver training courses, etc. Study your policy. Ask questions of your agent and make sure you understand your coverage.

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