1. Jessica, Shelby, Brittany & Allie

2. Bodily Injury Liability Coverage- protects you against financial loss when you are responsible for injuring other people in automobile accident. Property Damage Liability Coverage- pays for damage you caused to another persons property. Medical Payments Coverage- pays medical/funeral expenses for you and other passengers in your car because of injuries sustained in an accident.

3. Uninsured/underinsured Motorist Coverage- pays medical and damage expenses for you and your passengers caused by a driver without insurance or with too little insurance to cover the loss. Comprehensive Coverage- pays for damage to your car caused by something other than a collision. Collision Coverage- pays for damage to your car caused by colliding with another car or object.

4. All states set a minimum amount of liability insurance as low as 10/20/5. Most accidents result in the cost of hundreds of thousands of dollars, so you should at least consider buying 50/100/25 Paying basic liability coverage is expensive. Purchase enough medical insurance to cover injuries that might result from an accident. Cost of collision and comprehensive insurance depends on the value and size of car.

5. Computer-controlled braking systems make repairs expensive Medical technology adds to cost of auto insurance Cars today are more fuel efficient which results in their reduced weight and accidents with lighter cars result in more injury and damage. Policyholders bear the real cost of higher injury awards.

6. Insurance companies classify policyholders by age, gender, and marital status which they charge different premiums for each group Married people average fewer accidents then single people. Male the age of 21 or younger will be charged more for insurance Insurance companies divide states into rating territories as cities, parts of a city or rural areas. Driving record is official list of your accidents and traffic violations and has to do with your insurance cost.

7. Controlling some of the factors affecting your premium with reduce it. Drive Carefully! Discounts to students who gets a “B” average on their report card. Living outside of city or in a safe neighborhood can get you a discount also. Increasing the size of your deductibles.