Auto insurance is a type of insurance that provides financial protection against loss or damage to your vehicle, as well as liability for any injuries or property damage you may cause to others while driving. Auto insurance policies typically consist of several types of coverage, each with its own terms, limits, and exclusions. Some of the most common types of coverage included in auto insurance policies include:

1. Liability coverage: This coverage is designed to protect you if you are responsible for an accident that causes injury or property damage to another person. It typically includes two types of coverage: bodily injury liability, which pays for medical expenses, lost wages, and other damages incurred by the other party in an accident, and property damage liability, which pays for damages to the other person's vehicle or property.

2. Collision coverage: This coverage pays for damage to your own vehicle in case of a collision, regardless of who is at fault. Collision coverage typically has a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in.

3. Comprehensive coverage: This coverage provides protection against damage to your vehicle caused by things like theft, vandalism, fire, or natural disasters. Comprehensive coverage also typically has a deductible.

4. Personal injury protection (PIP): This coverage is designed to pay for medical expenses and lost wages for you and your passengers in case of an accident, regardless of who is at fault.

5. Uninsured/underinsured motorist coverage: This coverage provides protection in case you are in an accident with a driver who does not have insurance, or who does not have sufficient insurance to cover the damages they caused.

The cost of auto insurance policies can vary widely depending on a variety of factors, including your age, driving history, the make and model of your vehicle, and the amount and type of coverage you choose. In general, younger drivers and those with poor driving records or high-performance vehicles will typically pay higher insurance premiums auto insurance source. However, there are many ways to save money on auto insurance, such as taking defensive driving courses, maintaining a good credit score, and shopping around for the best rates.