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Auto insurance is a requirement. Before you can legally drive a vehicle, it must be properly insured. Liability insurance is the bare minimum for motorists. Liability insurance will pay for the damage to another person's vehicle or property if you're at fault in an accident. However, purchasing additional coverage will protect you financially in case of an accident. Here are four benefits you will receive when you choose an auto insurance policy with comprehensive and collision coverage:

1. Receive remuneration if your car is damaged by something besides a collision.

Most car accidents are collisions. Cars either collide with other cars, pedestrians, or stationary objects. However, other types of automobile accidents are possible. Cars can be damaged by extreme weather conditions, like flooding, storms, or hail. Collision insurance won't cover these types of incidents, but comprehensive auto insurance will. Purchase comprehensive coverage so you can receive compensation if your car is damaged by an act of God.

2. Receive an insurance payment if the other driver is uninsured.

In normal circumstances, the at-fault driver's insurance company must pay for the cost of auto repairs. However, some people illegally drive without car insurance. If you get into a collision with a person who doesn't have car insurance, you'll need to pay for repairs yourself. Alternatively, you can try to sue the at-fault party for damages. However, the legal process can be lengthy and expensive. Collision coverage will pay for the cost of your car repairs, even if the responsible driver cannot do so.

3. Choose the deductible that's right for you.

You can customize the type of car insurance that you purchase by selecting the deductible that suits your level of risk. A deductible is the amount you'll pay when you file an insurance claim. Once the deductible is reached, your insurance company will cover the rest of the damage, up to your insurance limit. Policies with low or no deductibles tend to be more expensive. However, you may be glad to have such a policy in the event of an accident. Assess your level of risk for collisions and other types of car damage and purchase insurance accordingly.

4. Comfortably drive a valuable car.

If you love cars, driving a rare or expensive car can be a real joy. Protect your investment by purchasing insurance, from a company such as Illinois Insurance Center Inc. When your valuable vehicle is well-insured, you won't have to think twice before going for a joyride.