Auto insurance can help protect your vehicle and save you from health expenses and legal liabilities if you are ever involved in an accident. However, searching for the perfect auto insurance policy can require careful consideration of various factors. Evaluating different policies, terms, and conditions is important to avoid costly mistakes. Here are five common lapses to avoid when shopping for car insurance to ensure you make the best choice: What does auto insurance offer? Auto insurance typically covers damages and losses from a car accident or other incidents involving the insured vehicle. Here are a few common types and elements of coverage included in auto insurance policies: Liability coverage : This type of coverage is usually mandatory in most states and covers damages you are legally responsible for if you cause an accident. It may also cover legal fees if you are sued for damages. Collision coverage : This covers damages to your vehicle in case of a collision with another vehicle or object. Comprehensive coverage : This type of coverage pays for damages to your vehicle not caused by a collision, such as theft, vandalism, or natural disasters. Personal injury protection : Also known as PIP, this coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident.