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Auto insurance policies protect you from financial loss or damage when you are involved in an accident and they take care of Damage to your Car or Damage or Injury To others
,injury to self or for the lost income of a person who dies or 
is unable to work. 

Types of Auto Insurance Policies :

• Comprehensive - covers damage to car other than a collision like theft, fire, weather and many other causes. 
• Collision - pays for repairs of damage to your car caused by a collision 
• Personal Injury Protection -pays medical expenses for you and others riding in your car.
• Property Damage Liability --covers the damage your car causes to someone property. 
• Bodily Injury Liability: Pays the medical and other expenses of those people injured or killed.
• Uninsured Motorist Coverage or Underinsured Motorist coverage Pays for physical injury or death caused by an uninsured driver or a hit and run driver.

Cost of insurance:  varies from person to person, depending on :

• Drivers history
• Model of car
• History of accidents
• Drunken driver
• Late payments of premiums

Premium: It is the annual amount you pay to  the company to maintain your insurance cover. Amount of premium also depends on age, car cost, history of accidents, drivers history etc.