Liability - Every policy includes liability.  This coverage is for damage that you cause to others.  It helps keep you from being sued and keeps you legal.  While this coverage is sometimes considered last, it is one of the most important pieces of your policy.  Not having high enough limits can put your family in a legal mess and cost you thousands.  Increasing your limits usually causes a very small increase on your policy, but can be a major difference in the cost of an accident.  

Uninsured/Underinsured Motorist - This is an optional coverage that is highly recommended.  This protects you and your passengers from damages to your vehicles as well as your injuries if someone hits you without insurance.  Even though the law requires you to carry insurance to drive, there are many vehicles on the road not following these guidelines.  Uninsured motorist protects you from them.  It also provides coverage for a hit and run, where the other party's information is not available.  In the event that the other party has insurance, but your injuries are more than what their policy covers, your underinsured motorist will cover the excess.

Medical Payments or Personal Injury Protection -  This is another coverage for you and your passengers.  They offer coverage for medical expenses for you, regardless of who is at fault.  Medical payments will cover medical expenses.  Personal injury protection is more broad.  It offers coverage for almost any expenses incurred due to an injury.

Collision - Collision coverage is part 1 of what people call "full coverage".  Collision covers your vehicle from a crash.  When you vehicle collides with something, another vehicle, building, etc; this coverage applies.  You select the deductible, which is your responsibility at the time of a loss, and the company will cover the rest of your damages.  

Comprehensive - Comprehensive is part 2 of what people call "full coverage".  These two coverages together "full cover" your vehicle itself, from any type of loss.  Comprehensive includes any loss that is not accident related.  This can include theft, fire, vandalism, flood or much more.  

Roadside Assistance - This very inexpensive coverage provides many benefits.  They include coverage if you lock your keys in the car, need a tow truck, vehicle fluids or even need a flat tire changed.  Usually for only a couple dollars extra each month.  

Rental Car - Adding rental car helps reduce the out of pocket expenses in the event of a loss.  There are many options for what you can select as a daily limit.  This amount will cover the expense of a rental car in the event of a loss.  

Extras - There are a variety of extra options that are available on auto insurance.  Some examples include custom equipment, new car replacement, accident forgiveness and a diminishing deductible.  Your agent can review which of these are available with you.