Coverage varies by policy but common types include:

• Liability coverage — pays for damage or injury you cause to others.

• Collision coverage — covers damage to your vehicle from a crash.

• Comprehensive coverage — covers non-collision damage (theft, fire, vandalism, etc).

• Uninsured/Underinsured motorist coverage — protects you if the other driver has little or no insurance.

• Plus optional add-ons: rental reimbursement, roadside assistance, etc.

Liability insurance helps pay for injuries or property damage you cause to others in a covered accident.

Comprehensive coverage helps protect your vehicle from non-collision losses such as theft, vandalism, fire, falling objects, hail, flood, and animal strikes.

Collision coverage helps pay to repair or replace your vehicle if it is damaged in an accident involving another vehicle or object, regardless of fault.

"Full coverage" typically refers to a policy that includes liability, collision, and comprehensive insurance, along with any optional coverages selected by the driver.

You may be able to lower your premium by maintaining a clean driving record, bundling policies, increasing deductibles, qualifying for discounts, and comparing quotes from multiple insurance companies.

If your vehicle is declared a total loss after a covered claim, your insurer may pay its actual cash value, less any applicable deductible.

Yes to both, though your options may be more limited and pricing will likely be higher — for driving record issues, this typically improves once accidents or violations age past a certain number of years. Bad credit doesn't reduce your price, but you can generally still purchase coverage with most carriers.